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 13.43%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.18, 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 | -2.24 pts | 13.43% | +2.07 pts | |
| Purchase price | +1.91 pts | 13.43% | -1.87 pts | |
| Exit cap | +1.30 pts | 13.43% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.43% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.43% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $24k | $22k | $8,459 | $14k | $10k | $1,378 | $12k | $2,053 | $141k | 7.22% |
| 2 | $24k | $23k | $8,681 | $14k | $10k | $1,482 | $12k | $2,496 | $140k | 7.45% |
| 3 | $25k | $24k | $8,910 | $15k | $10k | $1,593 | $12k | $2,952 | $138k | 7.69% |
| 4 | $26k | $24k | $9,145 | $15k | $9,947 | $1,712 | $12k | $3,423 | $136k | 7.94% |
| 5 | $27k | $25k | $9,386 | $16k | $9,818 | $1,841 | $12k | $3,909 | $134k | 8.20% |
| 6 | $27k | $26k | $9,633 | $16k | $9,680 | $1,979 | $12k | $4,410 | $132k | 8.46% |
| 7 | $28k | $26k | $9,888 | $17k | $9,532 | $2,127 | $12k | $4,927 | $130k | 8.73% |
| 8 | $29k | $27k | $10k | $17k | $9,373 | $2,286 | $12k | $5,459 | $128k | 9.01% |
| 9 | $30k | $28k | $10k | $18k | $9,201 | $2,458 | $12k | $6,009 | $126k | 9.30% |
| 10 | $31k | $29k | $11k | $18k | $9,017 | $2,642 | $12k | $6,576 | $123k | 9.60% |
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.