Free calculator
Stress-test the rent before a hold deal gets treated as safer than it is.
Load the debt, voids, management, maintenance, and a stressed rent/rate scenario so the base case and the pressure case can sit next to each other.
This tool is strongest when the rent evidence is already reasonably believable. If rent is still thin, the stress result should stay soft too.
Base case vs stress case
ICR visible
Break-even rent
Best for
Seeing how quickly a hold deal softens when rates rise or rent drops.
Separating genuinely resilient monthly cashflow from polite-looking spreadsheet cashflow.
Finding the rent level where the deal stops feeling comfortably covered.
What disciplined readers do next
Replace modelled rent with direct comparables or agent evidence where possible.
Use the stressed view before you decide whether the yield is worth the effort.
Treat weak ICR as a reason to soften conviction, not to force the deal through.
Inputs
Load the hold stack and the stress assumptions
The point is not to overcomplicate the read. It is to stop the base case from hiding what happens when the operating picture gets less kind.
Outputs
See the comfortable version and the pressured version together
The two most useful questions are simple: what is the monthly net now, and what happens to it when the deal gets less cooperative?
Base monthly net
£33
The current monthly outcome after voids, management, maintenance, other monthly costs, and annual interest.
Base net yield
0.2%
The net yield after the operating stack is loaded in.
Base ICR
1.05x
Interest cover after operating drag rather than before it.
Stressed monthly net
-£243
The monthly outcome after rent drops and the rate moves against you.
Stressed net yield
-1.8%
What the yield looks like when the stress case is loaded.
Stressed ICR
0.71x
A fast pressure gauge for how much finance cover is really left.
Break-even monthly rent
£869
The rent level where interest-only finance and operating costs stop being covered.
Annual operating drag
£2,633
Management, maintenance, and other monthly drag combined into one annual number.
How to read this cleanly
If the stressed monthly net turns weak quickly, the deal is less robust than the headline suggests.
If the base ICR already feels polite, the stress case matters even more.
If break-even rent sits too close to current achievable rent, conviction should stay soft.
Best next step
Move from a stress view into stronger rent proof.
The stress test helps you see fragility. The next move is still to strengthen the rent evidence and make the recommendation more trustworthy.
Quick truth: if the deal only looks good before the stress test, the stress test is doing its job.