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Stress Matrix · 12×10 grid · 5 zones

See every stress scenario in one view.

A stress test checks whether the deal still works if rates rise or rent falls — across 120 combinations at once. Set your base deal below and read the color-coded DSCR (whether the property's rent can cover the loan payment; 1.00 = rent exactly covers it; higher is stronger) grid.

Then use the interactive sliders to simulate your specific fear — a rate spike, a vacancy hit, a tax re-assessment — and read the verdict instantly.

Open the simulator →
Live stressed DSCR
1.05x
0.8
0.9
0.9
1.0
1.0
1.1
1.1
1.2
1.3
1.3
0.8
0.8
0.9
0.9
1.0
1.0
1.1
1.2
1.2
1.3
0.8
0.8
0.9
0.9
1.0
1.0
1.1
1.1
1.2
1.2
0.7
0.8
0.8
0.9
0.9
1.0
1.0
1.1
1.1
1.2

4 rate shocks × 10 rent changes — a live preview of the full 120-cell matrix below.

Guided stress simulator · preliminary estimate

Base 1.05x · 50% of scenarios still cover costs

PITIA (the full monthly payment — principal, interest, taxes, insurance, and any HOA dues) at base: $2,865/mo. Adjust sliders below to model stress. All results are preliminary estimates — not a guaranteed rate or approval.

Your base deal

These numbers anchor the center cell. Change any value and all 120 cells update instantly.

SAFE
11
DEAL BREAK
24
TOTAL
120
Stress Simulator

Adjust sliders to layer stress on your base deal. The DSCR gauge reacts instantly.

Try a scenario
No shock — your deal as underwritten
Rate shock+0 bps
bps = hundredths of a percent; +100 bps = rate goes up 1%→ 7.000%
Rent change+0%
How much rents fall or rise from your base→ $3,000/mo
Vacancy rate5%
% of the year the property sits empty — reduces effective rent−$150/mo lost
Tax & insurance bump+0%
% increase applied to your annual taxes and insurance together→ $744/mo
Base case (no stress)
1.05x
Zone
MARGINAL
PITIA $2,865/mo
Rent $3,000/mo
→+0.00x
Stressed scenario
1.05x
Zone
MARGINAL
PITIA $2,865/mo
Eff. rent $2,850/mo
Lender · Track 1
1.05x
→
Investor net · Track 2
0.78x
Qualifies but dangerous

The lender approves on gross rent (1.05x), but after vacancy, management, and maintenance the deal nets 0.78x — below 1.00. It clears underwriting and still loses money every month. This is the gap Track 2 exists to catch.

Covenant Check
BREACH
Required
1.25x
Actual
1.05x
Cushion
-0.20x

Measured DSCR 1.05x is below the 1.25x maintenance covenant — a technical default even if payments are current. Expect a cash-flow sweep, cure period, or paydown demand.

Break-even vacancy
5%

Keeps covering the payment up to 5% vacancy before DSCR drops below 1.00. You're modeling 5% — at or past the break-even point.

Where the damage comes from
Base (no stress)1.05x
Vacancy 5%-0.050.99x
Tight — rent just barely covers costs

At 1.05x the deal clears 1.00, but there's little cushion.

All results are preliminary estimates for analytical purposes only — not a guaranteed rate, loan approval, or investment advice. For exact underwriting and rates, submit a scenario review.