CalculateRealEstateROI

Risk Management · 10 min read

How to Stress-Test a Rental Property

A repeatable framework for finding deals that work in good markets AND bad ones.

The Five Shocks

Vacancy +5pts, rent -10%, taxes +15%, rates +100bps, and a $5–10K one-time repair event. Apply each individually, then all together.

The Survival Score

What % of baseline cash flow survives the compound worst case? Deals with > 70% are resilient; under 30% are speculative.

Decision Framework

Reject deals that go negative under any single shock. Question deals that go negative under compound shock. Only buy deals that stay positive at +5pts vacancy and -10% rent simultaneously.