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 13.93%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.19, 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 | -2.22 pts | 13.93% | +2.06 pts | |
| Purchase price | +1.92 pts | 13.93% | -1.88 pts | |
| Exit cap | +1.29 pts | 13.93% | -1.23 pts | |
| Mortgage rate | +0.75 pts | 13.93% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.93% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $26k | $24k | $9,151 | $15k | $11k | $1,524 | $13k | $2,425 | $156k | 7.29% |
| 2 | $27k | $25k | $9,393 | $16k | $11k | $1,639 | $13k | $2,918 | $154k | 7.53% |
| 3 | $28k | $26k | $9,640 | $16k | $11k | $1,761 | $13k | $3,426 | $153k | 7.77% |
| 4 | $28k | $27k | $9,894 | $17k | $11k | $1,894 | $13k | $3,951 | $151k | 8.02% |
| 5 | $29k | $28k | $10k | $17k | $11k | $2,035 | $13k | $4,492 | $149k | 8.28% |
| 6 | $30k | $28k | $10k | $18k | $11k | $2,188 | $13k | $5,050 | $146k | 8.54% |
| 7 | $31k | $29k | $11k | $19k | $11k | $2,352 | $13k | $5,625 | $144k | 8.82% |
| 8 | $32k | $30k | $11k | $19k | $10k | $2,528 | $13k | $6,219 | $142k | 9.10% |
| 9 | $33k | $31k | $11k | $20k | $10k | $2,718 | $13k | $6,831 | $139k | 9.39% |
| 10 | $34k | $32k | $12k | $20k | $9,972 | $2,922 | $13k | $7,462 | $136k | 9.69% |
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.