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 1.36%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.89, too thin for most debt sources without a change in price or NOI. Unless you have strong support for rent upside or a better basis, the cleaner move is probably to pass.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -3.29 pts | 1.36% | +2.78 pts | |
| Purchase price | +2.01 pts | 1.36% | -2.10 pts | |
| Exit cap | +1.77 pts | 1.36% | -1.77 pts | |
| Mortgage rate | +0.82 pts | 1.36% | -0.84 pts | |
| Vacancy | +0.67 pts | 1.36% | -0.70 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $7,542 | $7,089 | $3,911 | $3,178 | $3,140 | $421 | $3,561 | -$383 | $43k | 5.48% |
| 2 | $7,768 | $7,302 | $4,013 | $3,289 | $3,108 | $453 | $3,561 | -$272 | $43k | 5.67% |
| 3 | $8,001 | $7,521 | $4,117 | $3,404 | $3,074 | $486 | $3,561 | -$157 | $42k | 5.87% |
| 4 | $8,241 | $7,746 | $4,224 | $3,522 | $3,038 | $523 | $3,561 | -$39 | $42k | 6.07% |
| 5 | $8,488 | $7,979 | $4,334 | $3,645 | $2,999 | $562 | $3,561 | $84 | $41k | 6.28% |
| 6 | $8,743 | $8,218 | $4,447 | $3,772 | $2,957 | $604 | $3,561 | $211 | $40k | 6.50% |
| 7 | $9,005 | $8,465 | $4,562 | $3,903 | $2,911 | $650 | $3,561 | $342 | $40k | 6.73% |
| 8 | $9,275 | $8,719 | $4,681 | $4,038 | $2,863 | $698 | $3,561 | $477 | $39k | 6.96% |
| 9 | $9,554 | $8,980 | $4,803 | $4,177 | $2,810 | $751 | $3,561 | $617 | $38k | 7.20% |
| 10 | $9,840 | $9,250 | $4,928 | $4,322 | $2,754 | $807 | $3,561 | $761 | $38k | 7.45% |
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.