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Stress scenario:
Calm baseline
Stress applied:
Rate shock +0 bps · Rent change +0% · Vacancy 5% · Tax & insurance +0%
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Stress Matrix · 12×10 grid · 5 zones

See every stress scenario in one view.

See how your deal holds up if rates rise or rent falls, across 120 combinations at once.

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Your deal$425,000 · $3,000/mo · 25% down · 7.000% · TXSaved in this link and on this device, so the other tools open with it.
Guided stress simulator · preliminary estimate

Base 1.04x · 50% of scenarios still cover costs

At base, PITIA (the full monthly payment) is $2,889/mo.

Your base deal

Goes with the deal into the review form, the application and the next tool.

Stresses start from the qualifying rent, $3,000/mo: the lower of the lease and the 1007 rent.

→ 7.000%
bps = hundredths of a percent; +100 bps = rate goes up 1%
→ $3,000/mo
−$150/mo lost
→ $769/mo
Stress Simulator

Pick a scenario, or set the sliders by hand.

Try a scenario

No shock — your deal as underwritten

Rate shock
0 bps
Rent change
0%
Vacancy rate
5%
Tax & insurance bump
0%

Full matrix — 120 combinations

12 rate shocks × 10 rent changes. Hover or arrow to a cell for its DSCR; Enter pins it.

50% pass25 breaks9 safe or comfortable

Rows (down) = rate shock in bps (100 bps = 1% change) · Columns (across) = rent change %

Stressed DSCR for 12 rate shocks by 10 rent changes. Use the arrow keys to move between cells, Enter to pin one, Escape to release it.
bps-25%-20%-15%-10%-5%0%+5%+10%+15%+20%
-150bps
0.87
0.93
0.99
1.05
1.10
1.16
1.22
1.28
1.34
1.40
-100bps
0.84
0.90
0.95
1.01
1.06
1.12
1.18
1.23
1.29
1.34
-75bps
0.82
0.88
0.93
0.99
1.04
1.10
1.15
1.21
1.26
1.32
-50bps
0.81
0.86
0.92
0.97
1.02
1.08
1.13
1.19
1.24
1.29
-25bps
0.79
0.85
0.90
0.95
1.00
1.06
1.11
1.16
1.22
1.27
±0bps
0.78
0.83
0.88
0.93
0.99
1.04
1.09
1.14
1.19
1.25
+25bps
0.76
0.81
0.87
0.92
0.97
1.02
1.07
1.12
1.17
1.22
+50bps
0.75
0.80
0.85
0.90
0.95
1.00
1.05
1.10
1.15
1.20
+75bps
0.74
0.79
0.83
0.89
0.93
0.98
1.03
1.08
1.13
1.18
+100bps
0.72
0.77
0.82
0.87
0.92
0.96
1.01
1.06
1.11
1.16
+150bps
0.70
0.74
0.79
0.84
0.89
0.93
0.98
1.02
1.07
1.12
+200bps
0.68
0.72
0.77
0.81
0.85
0.90
0.94
0.99
1.03
1.08
SAFE ≥1.50
COMFORTABLE ≥1.25
MARGINAL ≥1.00
FRAGILE ≥0.85
DEAL BREAK <0.85
Base case: 7.000% rate × $3000/mo rent → T1 DSCR 1.038×, T2 DSCR 0.748×. Stress matrix: 120 cells across 12 rate offsets × 10 rent offsets. SAFE/COMFORTABLE: 9 (0.1%), MARGINAL: 51, FRAGILE/DEAL_BREAK: 60 (0.5%). Worst case: 9.000% × -25% rent → T1 0.675× (CF $-1713/mo, DEAL_BREAK). Best case: 5.500% × +20% rent → T1 1.396× (CF $13/mo, COMFORTABLE). ✅ <15% of cells are FRAGILE/DEAL_BREAK — deal is structurally robust to combined stress.

Go deeper

Quick look at the stressed matrix

4 rate shocks × 10 rent changes, a live preview of the full matrix1.04x
Live stressed DSCR
1.04x

Rows: rate shock · columns: rent changeRows: rent change · columns: rate shock20 of 40 below 1.00x

Deal break Fragile Marginal Comfortable Safe your deal

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

Note
All results are preliminary estimates for analysis only: not a guaranteed rate, loan approval or investment advice.

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Printed November 9, 2026 · http://127.0.0.1:45643/tools/stress-matrix