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 10.07%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.06, 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 | -2.38 pts | 10.07% | +2.17 pts | |
| Purchase price | +2.03 pts | 10.07% | -2.01 pts | |
| Exit cap | +1.46 pts | 10.07% | -1.42 pts | |
| Mortgage rate | +0.81 pts | 10.07% | -0.82 pts | |
| Vacancy | +0.49 pts | 10.07% | -0.50 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $24k | $23k | $8,898 | $14k | $12k | $1,561 | $13k | $812 | $160k | 6.52% |
| 2 | $25k | $24k | $9,130 | $14k | $12k | $1,678 | $13k | $1,266 | $158k | 6.73% |
| 3 | $26k | $24k | $9,370 | $15k | $11k | $1,803 | $13k | $1,735 | $156k | 6.95% |
| 4 | $27k | $25k | $9,615 | $15k | $11k | $1,939 | $13k | $2,219 | $154k | 7.17% |
| 5 | $27k | $26k | $9,867 | $16k | $11k | $2,084 | $13k | $2,718 | $152k | 7.40% |
| 6 | $28k | $27k | $10k | $16k | $11k | $2,240 | $13k | $3,232 | $150k | 7.64% |
| 7 | $29k | $27k | $10k | $17k | $11k | $2,408 | $13k | $3,763 | $148k | 7.89% |
| 8 | $30k | $28k | $11k | $18k | $11k | $2,589 | $13k | $4,311 | $145k | 8.14% |
| 9 | $31k | $29k | $11k | $18k | $10k | $2,783 | $13k | $4,875 | $142k | 8.41% |
| 10 | $32k | $30k | $11k | $19k | $10k | $2,991 | $13k | $5,458 | $139k | 8.68% |
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.