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 -1.84%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.83, 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 | -3.91 pts | -1.84% | +3.15 pts | |
| Purchase price | +2.18 pts | -1.84% | -2.33 pts | |
| Exit cap | +1.98 pts | -1.84% | -2.04 pts | |
| Mortgage rate | +0.89 pts | -1.84% | -0.91 pts | |
| Vacancy | +0.78 pts | -1.84% | -0.82 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $6,569 | $6,175 | $3,636 | $2,539 | $2,707 | $363 | $3,070 | -$531 | $37k | 5.08% |
| 2 | $6,766 | $6,360 | $3,730 | $2,630 | $2,680 | $390 | $3,070 | -$440 | $37k | 5.26% |
| 3 | $6,969 | $6,551 | $3,826 | $2,724 | $2,650 | $419 | $3,070 | -$346 | $36k | 5.45% |
| 4 | $7,178 | $6,747 | $3,926 | $2,821 | $2,619 | $451 | $3,070 | -$248 | $36k | 5.64% |
| 5 | $7,393 | $6,949 | $4,028 | $2,922 | $2,585 | $485 | $3,070 | -$148 | $35k | 5.84% |
| 6 | $7,615 | $7,158 | $4,132 | $3,026 | $2,549 | $521 | $3,070 | -$44 | $35k | 6.05% |
| 7 | $7,843 | $7,373 | $4,239 | $3,133 | $2,510 | $560 | $3,070 | $64 | $34k | 6.27% |
| 8 | $8,079 | $7,594 | $4,349 | $3,245 | $2,468 | $602 | $3,070 | $175 | $34k | 6.49% |
| 9 | $8,321 | $7,822 | $4,462 | $3,359 | $2,423 | $647 | $3,070 | $290 | $33k | 6.72% |
| 10 | $8,571 | $8,056 | $4,578 | $3,478 | $2,374 | $696 | $3,070 | $408 | $32k | 6.96% |
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.