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 11.33%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.13, 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 | -2.33 pts | 11.33% | +2.13 pts | |
| Purchase price | +1.87 pts | 11.33% | -1.85 pts | |
| Exit cap | +1.36 pts | 11.33% | -1.31 pts | |
| Mortgage rate | +0.75 pts | 11.33% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.33% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $17k | $16k | $6,566 | $9,328 | $7,308 | $980 | $8,288 | $1,039 | $100k | 6.91% |
| 2 | $17k | $16k | $6,738 | $9,632 | $7,235 | $1,053 | $8,288 | $1,344 | $99k | 7.14% |
| 3 | $18k | $17k | $6,915 | $9,947 | $7,156 | $1,132 | $8,288 | $1,658 | $98k | 7.37% |
| 4 | $18k | $17k | $7,097 | $10k | $7,071 | $1,217 | $8,288 | $1,982 | $97k | 7.61% |
| 5 | $19k | $18k | $7,283 | $11k | $6,980 | $1,308 | $8,288 | $2,317 | $96k | 7.86% |
| 6 | $20k | $18k | $7,475 | $11k | $6,882 | $1,407 | $8,288 | $2,662 | $94k | 8.11% |
| 7 | $20k | $19k | $7,671 | $11k | $6,776 | $1,512 | $8,288 | $3,018 | $93k | 8.38% |
| 8 | $21k | $20k | $7,873 | $12k | $6,663 | $1,625 | $8,288 | $3,386 | $91k | 8.65% |
| 9 | $21k | $20k | $8,080 | $12k | $6,541 | $1,747 | $8,288 | $3,765 | $89k | 8.93% |
| 10 | $22k | $21k | $8,293 | $12k | $6,410 | $1,878 | $8,288 | $4,156 | $87k | 9.22% |
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.