Portfolio Stress Tester
Run Monte Carlo simulations on your rental portfolio. Test against vacancy shocks, rate hikes, rent declines, and expense surges to find your breaking point before the market does.
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
$1,031
5th Percentile
-$2,150
95th Percentile
$2,450
P(Negative CF)
28.9%
Max Loss
-$6,350
-$6,130: 5
-$5,690: 0
-$5,250: 0
-$4,810: 0
-$4,370: 23
-$3,930: 0
-$3,490: 20
-$3,050: 0
-$2,610: 0
-$2,170: 14
-$1,730: 109
-$1,290: 0
-$850: 0
-$410: 118
$30: 0
$470: 134
$910: 0
$1,350: 0
$1,790: 0
$2,230: 577
-$6,130$2,230
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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