Portfolio cash-call stress test
Put multiple properties through the same rent, vacancy, expense and variable-rate shock to see annual cash coverage.
Illustrative model · Your assumptions stay in this browser tab
Baseline annual cash flow
$12,851Stressed annual cash flow
-$23,212Cash-flow change
-$36,063Reserve covers shortfall
38.8 monthsAvailable reserve divided by stressed monthly shortfall.BaselineShared stress
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Property-by-property stress
All amounts in US dollars unless shown otherwise.
| Property | Value (USD) | Debt (USD) | Baseline NOI (USD) | Baseline debt service (USD) | Baseline cash flow (USD) | Stress NOI (USD) | Stress debt service (USD) | Stress cash flow (USD) | Baseline DSCR | Stress DSCR |
|---|---|---|---|---|---|---|---|---|---|---|
| Property A | $520,000 | $300,000 | $28,800 | $24,307 | $4,493 | $18,512 | $25,946 | -$7,434 | 1.18 | 0.71 |
| Property B | $440,000 | $250,000 | $24,000 | $19,790 | $4,210 | $15,348 | $21,142 | -$5,794 | 1.21 | 0.73 |
| Property C | $610,000 | $360,000 | $32,800 | $28,651 | $4,149 | $20,716 | $30,700 | -$9,984 | 1.14 | 0.67 |
| TOTAL | $1,570,000 | $910,000 | $85,600 | $72,749 | $12,851 | $54,576 | $77,788 | -$23,212 | 1.18 | 0.70 |
How this tool calculates the result
All properties receive the same illustrative stress. Additional vacancy reduces rent for the entered months; rent reduction and vacancy compound. Repricing debt is modeled as a specified share of each loan payment at the shocked rate, with the remaining share unchanged. It is not a lender-specific refinancing model or a probability forecast. Operating costs exclude debt service.