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 0.31, 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 | -0.85 pts | -5.99% | +0.85 pts | |
| Mortgage rate | +0.49 pts | -5.99% | -0.50 pts | |
| Purchase price | +0.48 pts | -5.99% | -0.46 pts | |
| Vacancy | +0.21 pts | -5.99% | -0.21 pts | |
| Exit cap | +0.00 pts | -5.99% | +0.00 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $3,406 | $3,202 | $2,739 | $462 | $1,299 | $174 | $1,474 | -$1,011 | $18k | 1.93% |
| 2 | $3,508 | $3,298 | $2,810 | $488 | $1,286 | $187 | $1,474 | -$986 | $18k | 2.03% |
| 3 | $3,613 | $3,397 | $2,882 | $515 | $1,272 | $201 | $1,474 | -$959 | $17k | 2.14% |
| 4 | $3,722 | $3,498 | $2,956 | $543 | $1,257 | $216 | $1,474 | -$931 | $17k | 2.26% |
| 5 | $3,833 | $3,603 | $3,032 | $572 | $1,241 | $233 | $1,474 | -$902 | $17k | 2.38% |
| 6 | $3,948 | $3,712 | $3,110 | $602 | $1,223 | $250 | $1,474 | -$872 | $17k | 2.51% |
| 7 | $4,067 | $3,823 | $3,189 | $633 | $1,205 | $269 | $1,474 | -$840 | $16k | 2.64% |
| 8 | $4,189 | $3,938 | $3,271 | $666 | $1,185 | $289 | $1,474 | -$807 | $16k | 2.78% |
| 9 | $4,315 | $4,056 | $3,356 | $700 | $1,163 | $311 | $1,474 | -$773 | $16k | 2.92% |
| 10 | $4,444 | $4,177 | $3,442 | $735 | $1,140 | $334 | $1,474 | -$738 | $16k | 3.06% |
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.