Curlee Capital
IRR and NPV for Property Investments
Compare internal rate of return with net present value, model equal-period cash flows and understand why different metrics can favor different deals.
Cash-flow analysis
Net present value
$6,714
IRR per period
10.85%
Illustrative inputs, not Curlee pricing or investment advice. Cash flows assume equal periods; include the initial investment as a negative first value. Payment schedules exclude taxes, insurance, fees and prepayments.
IRR is the break-even discount rate
Internal rate of return is a rate that makes the modeled cash flows’ NPV zero. It requires both outflows and inflows; some cash-flow patterns have no solution or more than one.
NPV gives the dollar perspective
NPV reports value relative to a selected discount hurdle, while IRR reports a percentage per period. A small deal can have a high IRR but contribute less absolute modeled value than a larger one.
Keep timing and leverage visible
Use consistent periods and include the real equity contribution, loan payments, operating costs and net exit proceeds. IRR is not an annual return unless the periods are annual. Compare risk and cash exposure as well as the result.
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