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 12.99%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.17, 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 | -2.26 pts | 12.99% | +2.08 pts | |
| Purchase price | +1.90 pts | 12.99% | -1.87 pts | |
| Exit cap | +1.31 pts | 12.99% | -1.26 pts | |
| Mortgage rate | +0.75 pts | 12.99% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.99% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $22k | $20k | $7,945 | $13k | $9,474 | $1,270 | $11k | $1,778 | $130k | 7.16% |
| 2 | $22k | $21k | $8,154 | $13k | $9,379 | $1,366 | $11k | $2,183 | $129k | 7.39% |
| 3 | $23k | $22k | $8,368 | $13k | $9,276 | $1,468 | $11k | $2,601 | $127k | 7.63% |
| 4 | $24k | $22k | $8,589 | $14k | $9,166 | $1,578 | $11k | $3,032 | $126k | 7.87% |
| 5 | $25k | $23k | $8,815 | $14k | $9,048 | $1,696 | $11k | $3,477 | $124k | 8.13% |
| 6 | $25k | $24k | $9,047 | $15k | $8,921 | $1,823 | $11k | $3,936 | $122k | 8.39% |
| 7 | $26k | $24k | $9,286 | $15k | $8,784 | $1,960 | $11k | $4,409 | $120k | 8.66% |
| 8 | $27k | $25k | $9,531 | $16k | $8,637 | $2,107 | $11k | $4,897 | $118k | 8.94% |
| 9 | $28k | $26k | $9,783 | $16k | $8,479 | $2,265 | $11k | $5,400 | $116k | 9.23% |
| 10 | $28k | $27k | $10k | $17k | $8,310 | $2,435 | $11k | $5,919 | $113k | 9.52% |
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.