Scenario modelling

A scenario is a set of assumptions about the future: “what if interest rates rise to 7%?”, “what if I lose a tenant for 2 months?”, “what if everything costs 5% more next year?”. This page applies those assumptions to your actual property data so you can see the resulting monthly cashflow alongside today's real numbers — before reality forces the question.

Most landlords get hurt by changes they could have seen coming. Mortgage fixes ending, two simultaneous void periods, a leaky roof. The break-even interest rate shown below tells you how much room you have before any of this matters: if your portfolio breaks even at 9.5%, a fix expiring at 6.5% is comfortable; if it breaks even at 5.5%, you should be planning now.

Slide the four assumptions on the left. The right panel recalculates instantly. Save useful scenarios (e.g. “2026 base case”, “rate shock 7%”) so you can come back to them. The DSCR figure (debt-service coverage ratio) is what lenders look at — anything below 1.25 is considered tight, below 1.0 means you're paying out of pocket.