Agentic intelligence · Real estate
Edit price, rent, debt, and exit in one model. Cap rate, cash-on-cash, DSCR, and levered IRR stay in sync.
The total return test across the full hold.
The lender filter. If this misses, IRR may not matter.
Year-one yield on your equity after debt and reserves.
Levered IRR lands at 14.98%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.21, financeable in some structures but not generous. Treat this as a sensitivity deal: a vacancy miss, softer exit cap, or smaller rent premium can push it the wrong way.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.18 pts | 14.98% | +2.03 pts | |
| Purchase price | +1.95 pts | 14.98% | -1.90 pts | |
| Exit cap | +1.27 pts | 14.98% | -1.21 pts | |
| Mortgage rate | +0.76 pts | 14.98% | -0.77 pts | |
| Vacancy | +0.45 pts | 14.98% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $33k | $31k | $11k | $20k | $15k | $1,960 | $17k | $3,533 | $201k | 7.45% |
| 2 | $34k | $32k | $12k | $21k | $14k | $2,107 | $17k | $4,177 | $198k | 7.69% |
| 3 | $35k | $33k | $12k | $21k | $14k | $2,265 | $17k | $4,841 | $196k | 7.93% |
| 4 | $36k | $34k | $12k | $22k | $14k | $2,435 | $17k | $5,525 | $194k | 8.19% |
| 5 | $38k | $35k | $12k | $23k | $14k | $2,617 | $17k | $6,232 | $191k | 8.45% |
| 6 | $39k | $36k | $13k | $24k | $14k | $2,813 | $17k | $6,960 | $188k | 8.72% |
| 7 | $40k | $37k | $13k | $24k | $14k | $3,024 | $17k | $7,711 | $185k | 9.00% |
| 8 | $41k | $39k | $13k | $25k | $13k | $3,251 | $17k | $8,485 | $182k | 9.28% |
| 9 | $42k | $40k | $14k | $26k | $13k | $3,494 | $17k | $9,284 | $179k | 9.58% |
| 10 | $43k | $41k | $14k | $27k | $13k | $3,756 | $17k | $10k | $175k | 9.88% |
Stabilize the asset, then refi on ARV instead of purchase price. See how much cash comes back at refi and what year-1 cash flow looks like on the new note.
Estimate the deferred gain, boot, carryover basis, and tax savings on a Section 1031 like-kind exchange.