Portfolio Stress Tester
Run Monte Carlo simulations on your rental portfolio — model vacancy, rate, and rent shocks to find your breaking point.
Total Rent
$8,800
Total Mortgage
$4,450
Total Expenses
$1,900
Net Cash Flow
$2,450
Portfolio Health Score
92
Excellent
Based on margins, diversification, and stress resilience
Property 1
$
$
$
Property 2
$
$
$
Property 3
$
$
$
$
Scenario Comparison
| Scenario | Cash Flow | Change | Change % | Survival | At Risk | Sell First |
|---|---|---|---|---|---|---|
| Baseline | $2,450 | — | — | — | — | — |
Vacancy Shock | $1,130 | -$1,320 | -53.9% | Safe | 0 | 456 Pine Ave — SFR |
Rate Shock | $2,450 | $0 | 0.0% | Safe | 0 | 456 Pine Ave — SFR |
Rent Decline | $1,570 | -$880 | -35.9% | Safe | 0 | 456 Pine Ave — SFR |
Expense Surge | $2,070 | -$380 | -15.5% | Safe | 0 | 456 Pine Ave — SFR |
Simultaneous Stress | $2 | -$2,448 | -99.9% | Safe | 1 | 456 Pine Ave — SFR |
Cash Flow by Scenario
Baseline
$2,450
Vacancy Shock
$1,130
Rate Shock
$2,450
Rent Decline
$1,570
Expense Surge
$2,070
Simultaneous Stress
$2
Monte Carlo — Vacancy Shock Distribution
1,000 iterations at 15% vacancy probability per property
Mean Cash Flow
$1,156
5th Percentile
-$2,150
95th Percentile
$2,450
P(Negative CF)
26.5%
Max Loss
-$4,550
-$4,375: 27
-$4,025: 0
-$3,675: 17
-$3,325: 0
-$2,975: 0
-$2,625: 0
-$2,275: 24
-$1,925: 0
-$1,575: 98
-$1,225: 0
-$875: 0
-$525: 0
-$175: 99
$175: 0
$525: 113
$875: 0
$1,225: 0
$1,575: 0
$1,925: 0
$2,275: 622
-$4,375$2,275
Property × Scenario Heat Map
| Property | Vacancy Shock | Rate Shock | Rent Decline | Expense Surge | Simultaneous Stress |
|---|---|---|---|---|---|
| 123 Oak St — Duplex | $380 | $800 | $520 | $680 | $22 |
| 456 Pine Ave — SFR | $180 | $450 | $270 | $370 | -$53 |
| 789 Maple Dr — Triplex | $570 | $1,200 | $780 | $1,020 | $33 |
Positive (>$100) Tight ($0-$100) Negative
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