10-Year Rental Property Cash Flow Stress Test
Type: Cash-flow stress test dashboard
Key Metric: Baseline cumulative cash flow: €28.8K
Description: A French short-term rental project model comparing baseline, rate shock, and stagflation conditions over a 10-year hold. It focuses on debt coverage, occupancy resilience, annual cash pressure, cumulative cash flow, and the DSCR threshold.
Primary Use Case: Testing whether rental-property operating performance remains solvent when interest rates or operating conditions deteriorate.
Website: Open template dashboard
Tags: cash flow, debt coverage, occupancy, rates, inflation
Scenario scorecard
| Scenario | Rate | Min DSCR | Years < 1.0x | 10Y cash flow |
|---|---|---|---|---|
| Baseline | 5.74% | 1.02x | None | €28.8K |
| Rate Shock (+200 bps) | 7.74% | 0.87x | 8 years | -€17.7K |
| Stagflation | 5.74% | 0.79x | 9 years | -€24.4K |
Peak break-even occupancy
Dashboard emphasis
The model highlights when DSCR falls below 1.0x, how much occupancy is required to cover costs and debt, and whether later cash flow reverses or compounds earlier deficits.