Cash Flow Stress Test
Test lower rent, higher vacancy and higher expenses together while debt stays fixed.
The ZIP includes the tool, instructions, license and example project.Stressed monthly cash flow + reserve target
- Base rent and vacancy
- Operating costs and debt
- Rent decrease
- Vacancy and expense stress
| Base monthly cash flow | $490 |
| Stressed effective rent | $1,782 |
| Stressed operating expenses | $747 |
| Monthly downside vs. base | -$406 |
| Stressed margin on scheduled rent | 4.3% |
| Suggested six-month reserve | $5,093 |
- One HTML file — double-click to open in Chrome, Edge, Firefox or Safari. No install.
- Works fully offline. No account, no subscription, nothing sent anywhere.
- Bilingual — switch English / Spanish with one click.
- Save unlimited scenarios (one property each) and compare them side by side.
- Save / Open your work as a file you own — Documents, Dropbox, USB.
- Clean one-page Print / PDF report.
- Instructions in English and Spanish, license and example file included.
TEST BAD THINGS TOGETHER
Real downside rarely arrives one variable at a time. This tool lowers rent, raises vacancy and increases expenses together while debt stays fixed. Save several stress cases to see what reserve and purchase price your risk tolerance requires.
CRIM Property Tax Estimator
Estimate the annual CRIM contribución from the assessed (1957) value, exemption and your municipality's rate — before you buy, bid or sign.
Max Bid Calculator
The most you can bid and still hit your minimum profit. Write it down before the auction — never bid a dollar past it.
Fix & Flip Calculator
Net profit and ROI from purchase, rehab, holding, closing, ARV and selling costs — the costs beginners forget, included.
BRRRR Calculator
How much cash you pull back out at the refinance, and whether the property still cash-flows after.