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 1.99%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.91, 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 | -3.20 pts | 1.99% | +2.72 pts | |
| Purchase price | +1.99 pts | 1.99% | -2.06 pts | |
| Exit cap | +1.73 pts | 1.99% | -1.73 pts | |
| Mortgage rate | +0.81 pts | 1.99% | -0.83 pts | |
| Vacancy | +0.65 pts | 1.99% | -0.68 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $7,785 | $7,318 | $3,980 | $3,338 | $3,248 | $436 | $3,684 | -$346 | $45k | 5.56% |
| 2 | $8,019 | $7,537 | $4,084 | $3,454 | $3,216 | $468 | $3,684 | -$230 | $44k | 5.76% |
| 3 | $8,259 | $7,764 | $4,190 | $3,574 | $3,180 | $503 | $3,684 | -$110 | $44k | 5.96% |
| 4 | $8,507 | $7,997 | $4,299 | $3,698 | $3,143 | $541 | $3,684 | $14 | $43k | 6.16% |
| 5 | $8,762 | $8,236 | $4,411 | $3,826 | $3,102 | $582 | $3,684 | $142 | $42k | 6.38% |
| 6 | $9,025 | $8,483 | $4,525 | $3,958 | $3,059 | $625 | $3,684 | $275 | $42k | 6.60% |
| 7 | $9,296 | $8,738 | $4,643 | $4,095 | $3,012 | $672 | $3,684 | $411 | $41k | 6.82% |
| 8 | $9,575 | $9,000 | $4,764 | $4,236 | $2,961 | $722 | $3,684 | $552 | $40k | 7.06% |
| 9 | $9,862 | $9,270 | $4,888 | $4,382 | $2,907 | $777 | $3,684 | $698 | $40k | 7.30% |
| 10 | $10k | $9,548 | $5,015 | $4,533 | $2,849 | $835 | $3,684 | $849 | $39k | 7.55% |
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.