Why three scenarios
Base: reasonable rent growth and rates. Downside: job loss window, higher expenses, flat prices. Upside: steady appreciation. Write numbers for each; if downside breaks you, shrink the buy or build reserves.
What to move
- Interest rate +1–2% on renewal or ARM adjustment.
- Rent −10% and vacancy +1 month.
- Appreciation 0% for five years.
Tool-led stress
Mistakes
- Single-point planning with today’s rate forever.
- Ignoring liquidity—equity is not dinner money without a loan or sale.
Use the calculator
FAQ
- How conservative?
Conservative enough that a job change and one big repair still leave six months of reserves.