Free tools / Downturn Stress Test
Downturn Stress Test
See how NOI, DSCR, and cash flow hold up if revenue falls. Drops and expense changes are editable.
Inputs
Example inputs, not market dataStarting values are made-up examples to show the math. They are not market data. Replace them with your own figures. Nothing you type leaves your browser.
Results
Updates as you typeHow this works
Scenario revenue = base revenue x (1 - revenue drop %)Scenario opex = base opex x (1 + expense change %)NOI = revenue - opexDSCR = NOI / annual debt serviceCash flow after debt = NOI - annual debt service
The drops are illustrative stress levels, not forecasts. A negative cash flow row tells you how much reserve you would need per year in that scenario.
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