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 12.26%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.15, 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 | -2.29 pts | 12.26% | +2.10 pts | |
| Purchase price | +1.89 pts | 12.26% | -1.86 pts | |
| Exit cap | +1.33 pts | 12.26% | -1.28 pts | |
| Mortgage rate | +0.75 pts | 12.26% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.26% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $19k | $18k | $7,252 | $11k | $8,386 | $1,124 | $9,510 | $1,407 | $115k | 7.05% |
| 2 | $20k | $19k | $7,442 | $11k | $8,302 | $1,209 | $9,510 | $1,761 | $114k | 7.28% |
| 3 | $21k | $19k | $7,638 | $12k | $8,211 | $1,299 | $9,510 | $2,127 | $113k | 7.51% |
| 4 | $21k | $20k | $7,839 | $12k | $8,114 | $1,397 | $9,510 | $2,505 | $111k | 7.76% |
| 5 | $22k | $20k | $8,045 | $12k | $8,009 | $1,501 | $9,510 | $2,894 | $110k | 8.01% |
| 6 | $22k | $21k | $8,257 | $13k | $7,896 | $1,614 | $9,510 | $3,296 | $108k | 8.27% |
| 7 | $23k | $22k | $8,475 | $13k | $7,775 | $1,735 | $9,510 | $3,710 | $106k | 8.53% |
| 8 | $24k | $22k | $8,698 | $14k | $7,645 | $1,865 | $9,510 | $4,137 | $104k | 8.81% |
| 9 | $24k | $23k | $8,928 | $14k | $7,505 | $2,005 | $9,510 | $4,578 | $102k | 9.10% |
| 10 | $25k | $24k | $9,163 | $15k | $7,355 | $2,155 | $9,510 | $5,033 | $100k | 9.39% |
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.