Calculadora TIR & Cascada de Capital
De CoC a rendimiento real. Ingresa precio, apalancamiento, renta y cap de salida — ve TIR, múltiplo y cascada anual.
LendCity™ Mortgages
Ready to take the next step?
This Investor IRR Calculator is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.
Contact Information
+1 (226) 783-1640
scott@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
What drives IRR
Six defaults. Exit cap prices the sale and moves IRR the most. Sale = next-year NOI ÷ exit cap — not a promised return.
Contract price
Investor DSCR default
Gross · 5% vacant
/mo + 5% management
Most sensitive input
Years before sale
How to use the IRR calculator
Go from broker CoC to capital-partner IRR in 4 inputs.
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Set leverage
Purchase price + down payment + rate + amortization = loan, payment, and equity in.
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Set rent & opex
Gross rent, vacancy, taxes/insurance/maintenance, and management % = Year-1 NOI and cash flow.
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Set the exit
Hold period + exit cap + selling costs + rent/expense growth = sale price and net proceeds. IRR is most sensitive to exit cap.
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Gate the PDF
Email to get the full waterfall table + PDF. Then book a strategy call to verify DSCR and max loan with live rates.
Why IRR + Equity Multiple beats CoC alone
CoC tells you year-1 yield on cash in. Capital lives on duration and exit.
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Cash-on-Cash
Year-1 operating cash flow ÷ initial equity. Useful screen, hides leverage and exit.
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Equity Multiple
Total returned (sum cash flows + net sale) ÷ equity in. Shows how many dollars come back per dollar in.
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Levered IRR
Discount rate where NPV of [−equity, cash flows, + net sale] = 0. Prices time — a 15% IRR over 5 years beats 15% over 10.
Outputs
What the right-hand panel means.
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Levered IRR
Time-weighted return on equity with leverage and sale. · IRR = r : NPV(−equity, CF₁…CFₙ + net sale) = 0
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Equity Multiple
Total dollars returned per dollar invested. · (Σ CF + net sale) ÷ equity
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Avg Cash-on-Cash
Average annual cash flow ÷ equity. · (Σ CF ÷ hold) ÷ equity × 100
Example (defaults)
$750k purchase, 25% down, 5.5% / 25-yr, $4,800 rent, 5% vacancy, 5-yr hold, 5.5% exit cap.
| IRR | ~4.4% levered |
|---|---|
| Equity Multiple | ~1.24× |
| Year-1 CoC | ~−1.1% (tight at this leverage) |
| Net sale | ~$250k after costs + balance |
Honest math — negative carry year 1 at 75% LTV and 5.5% turns positive via rent growth and paydown. Drop exit cap 50 bps → IRR ~6.5%; raise rent $400 → IRR ~7%. Live leverage verified on a call.
Preguntas TIR
Cómo se calculan TIR, múltiplo y cascada.
Preguntas TIR
Cómo se calculan TIR, múltiplo y cascada.
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