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.
Year-1 DSCR is 0.62, 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 | -9.10 pts | -13.61% | +3.84 pts | |
| Exit cap | +3.35 pts | -13.61% | -4.26 pts | |
| Purchase price | +3.01 pts | -13.61% | -3.79 pts | |
| Vacancy | +1.37 pts | -13.61% | -1.55 pts | |
| Mortgage rate | +0.90 pts | -13.61% | -0.91 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $4,744 | $4,459 | $3,119 | $1,341 | $1,895 | $254 | $2,149 | -$808 | $26k | 3.83% |
| 2 | $4,886 | $4,593 | $3,199 | $1,394 | $1,876 | $273 | $2,149 | -$755 | $26k | 3.98% |
| 3 | $5,033 | $4,731 | $3,281 | $1,449 | $1,855 | $294 | $2,149 | -$699 | $25k | 4.14% |
| 4 | $5,184 | $4,873 | $3,366 | $1,507 | $1,833 | $316 | $2,149 | -$642 | $25k | 4.30% |
| 5 | $5,339 | $5,019 | $3,453 | $1,566 | $1,810 | $339 | $2,149 | -$583 | $25k | 4.47% |
| 6 | $5,500 | $5,170 | $3,542 | $1,627 | $1,784 | $365 | $2,149 | -$521 | $24k | 4.65% |
| 7 | $5,665 | $5,325 | $3,634 | $1,691 | $1,757 | $392 | $2,149 | -$458 | $24k | 4.83% |
| 8 | $5,835 | $5,484 | $3,728 | $1,757 | $1,727 | $421 | $2,149 | -$392 | $24k | 5.02% |
| 9 | $6,010 | $5,649 | $3,824 | $1,825 | $1,696 | $453 | $2,149 | -$324 | $23k | 5.21% |
| 10 | $6,190 | $5,818 | $3,923 | $1,896 | $1,662 | $487 | $2,149 | -$253 | $23k | 5.42% |
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.