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 0.27%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.87, 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 | -3.48 pts | 0.27% | +2.89 pts | |
| Purchase price | +2.06 pts | 0.27% | -2.17 pts | |
| Exit cap | +1.83 pts | 0.27% | -1.86 pts | |
| Mortgage rate | +0.84 pts | 0.27% | -0.86 pts | |
| Vacancy | +0.70 pts | 0.27% | -0.73 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $7,165 | $6,735 | $3,805 | $2,930 | $2,972 | $399 | $3,371 | -$440 | $41k | 5.34% |
| 2 | $7,380 | $6,937 | $3,903 | $3,034 | $2,942 | $428 | $3,371 | -$337 | $40k | 5.53% |
| 3 | $7,601 | $7,145 | $4,005 | $3,140 | $2,910 | $460 | $3,371 | -$230 | $40k | 5.72% |
| 4 | $7,829 | $7,359 | $4,108 | $3,251 | $2,876 | $495 | $3,371 | -$120 | $39k | 5.92% |
| 5 | $8,064 | $7,580 | $4,215 | $3,365 | $2,839 | $532 | $3,371 | -$6 | $39k | 6.13% |
| 6 | $8,306 | $7,807 | $4,325 | $3,483 | $2,799 | $572 | $3,371 | $112 | $38k | 6.34% |
| 7 | $8,555 | $8,042 | $4,437 | $3,605 | $2,756 | $615 | $3,371 | $234 | $38k | 6.57% |
| 8 | $8,812 | $8,283 | $4,552 | $3,730 | $2,710 | $661 | $3,371 | $360 | $37k | 6.80% |
| 9 | $9,076 | $8,531 | $4,671 | $3,861 | $2,660 | $711 | $3,371 | $490 | $36k | 7.03% |
| 10 | $9,348 | $8,787 | $4,792 | $3,995 | $2,607 | $764 | $3,371 | $624 | $36k | 7.28% |
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.