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Plan · Tool 40
Portfolio stress test
Stresses rent, interest and vacancy across a small property portfolio.
Decision questionHow much monthly liquidity is needed in a poor but plausible year?
Rules reviewed10 Aug 2026NAVARO method basis
02 · Primary answerNeeds attention
Stressed monthly top-up
S$8,294All portfolio loans are stressed to the entered rate while rent falls and vacancy rises.Current monthly cashflow−S$1,575
Stressed rent collectedS$9,393
Stressed loan paymentS$15,519
Decision shaperelative scale
NAVARO read
A 12-month stress reserve for the displayed top-up is about $99,522.
03 · Calculation trail
See the number being built.
The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.
01Current gross rentS$13,000
02Stressed collected rentS$9,393
03Current loan paymentS$12,408
04Stressed loan paymentS$15,519
05Monthly non-loan costsS$2,167
06Stressed cashflow−S$8,294