What's a 'safe' survival score?

We grade 80+ as resilient; below 50 means the property requires near-perfect conditions to perform.

Calculator Guide

Cash Flow Stress Tester

Stress testing is what separates professional investors from retail buyers. The Stress Tester applies vacancy spikes, rent declines, and expense shocks to your underwriting and reports survival scores.

Ready to run the numbers?

Open the Cash Flow Stress Tester →

Inputs

Base Underwriting. Starting cash flow assumptions.
Vacancy Shock. What happens at 15%, 20%, 25% vacancy?
Rent Decline %. Simulate a soft market — 5%, 10%, 15% rent drops.
Expense Shock. Property tax hike, insurance jump, capex event.

Outputs

Survival Score. How many shocks the property absorbs while staying cash-flow positive.
Break-Even Rent / Occupancy. The point where the property goes negative.

Best Practices

Buy properties that survive at least vacancy +5%, rent -10%, and a 20% expense hike.

Common Pitfalls

Ignoring tax reassessment shock — common when properties trade hands.

Frequently Asked Questions

What's a 'safe' survival score?: We grade 80+ as resilient; below 50 means the property requires near-perfect conditions to perform.