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 4.29%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.96, 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 | -2.89 pts | 4.29% | +2.52 pts | |
| Purchase price | +1.92 pts | 4.29% | -1.96 pts | |
| Exit cap | +1.61 pts | 4.29% | -1.59 pts | |
| Mortgage rate | +0.78 pts | 4.29% | -0.80 pts | |
| Vacancy | +0.60 pts | 4.29% | -0.61 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $8,880 | $8,347 | $4,291 | $4,056 | $3,735 | $501 | $4,236 | -$180 | $51k | 5.88% |
| 2 | $9,146 | $8,597 | $4,402 | $4,195 | $3,698 | $538 | $4,236 | -$41 | $51k | 6.08% |
| 3 | $9,421 | $8,855 | $4,517 | $4,338 | $3,658 | $579 | $4,236 | $102 | $50k | 6.29% |
| 4 | $9,703 | $9,121 | $4,634 | $4,487 | $3,614 | $622 | $4,236 | $250 | $50k | 6.50% |
| 5 | $9,994 | $9,395 | $4,755 | $4,639 | $3,568 | $669 | $4,236 | $403 | $49k | 6.72% |
| 6 | $10k | $9,676 | $4,879 | $4,797 | $3,517 | $719 | $4,236 | $561 | $48k | 6.95% |
| 7 | $11k | $9,967 | $5,006 | $4,960 | $3,464 | $773 | $4,236 | $724 | $47k | 7.19% |
| 8 | $11k | $10k | $5,137 | $5,129 | $3,406 | $831 | $4,236 | $892 | $47k | 7.43% |
| 9 | $11k | $11k | $5,271 | $5,303 | $3,343 | $893 | $4,236 | $1,066 | $46k | 7.69% |
| 10 | $12k | $11k | $5,409 | $5,482 | $3,276 | $960 | $4,236 | $1,246 | $45k | 7.95% |
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.