1. Build the carrying-cost baseline
Mortgage or debt service + taxes/insurance + other recurring expenses becomes the monthly carrying cost used for runway.
Free landlord stress test
How Long Could Your Rental Survive a Bad Year?
Stress-test one property reserve against vacancy, missed rent, repair shocks and turnover costs. See the cash requirement, remaining reserve and carrying-cost runway without creating an account.
No account requiredNo email gateSupports USD, GBP, CAD and AUD
What this stress test separates
Cash carrying costs that must still be paid when rent stops.
One-time shocks such as a repair or turnover expense.
Reserve runway before and after the selected stress.
Rental cash runway
Stress-test one rental and one scenario.
Enter the rental’s normal monthly carrying costs, current reserve and a few stress assumptions. The tool shows how much reserve the selected scenario consumes and how much carrying-cost runway remains.
Normal monthly position
Monthly carrying cost
$1,850
Normal monthly cash flow
$350
Carrying cost is mortgage/debt service + taxes/insurance + other recurring expenses entered above. It is a cash-planning measure, not an accounting or tax classification.
Stress assumptions
Selected scenario
Vacancy + repair
Reserve impact is based on carrying costs during months with no rent plus the one-time cost included by the selected scenario.
Reserve runway before stress
4.3 months
This is current reserve ÷ monthly carrying cost. It answers how many months of the entered carrying costs the reserve could cover if rent stopped completely.
Cash required by stress
$6,350
$1,850 carrying costs + $4,500 one-time costs
Foregone rent
$2,200
1.0 month with no rent
Reserve remaining
$1,650
Reserve after paying the selected stress cash requirement.
Runway after stress
0.9 months
Remaining reserve ÷ monthly carrying cost.
After this selected stress, the entered reserve would have $1,650 remaining, equal to about 0.9 months of the entered carrying costs.
Planning only. The tool does not predict nonpayment, vacancy, repair timing, financing changes or future expenses, and it is not accounting, tax, legal, lending or investment advice.
How the runway math works
Make reserve pressure visible without pretending to predict the future.
The tool uses only the values you enter and keeps cash expense, foregone rent and reserve coverage separate.
2. Apply one stress scenario
Months with no rent consume monthly carrying costs. The selected repair or turnover cost is then added when that scenario includes it.
3. Measure reserve coverage
Current reserve minus the selected stress cash requirement shows remaining reserve or shortfall; remaining reserve ÷ monthly carrying cost shows post-stress runway.
Questions, answered
Rental cash runway FAQ
What does rental cash runway mean here?
Runway is the number of months the entered reserve could cover the entered monthly carrying costs. It is a simple cash-planning measure, not a forecast of an actual bank balance.
Why is lost rent shown separately from cash required?
Foregone rent is lost income, while the cash requirement measures expenses that must actually be paid from reserve during the selected stress. Keeping them separate avoids counting the same stress twice.
What counts as monthly carrying cost?
The public tool adds the monthly mortgage or debt service, taxes or insurance and other recurring carrying expenses entered by the landlord.
What scenarios can I test?
The tool includes Normal, Vacancy, Repair shock, Vacancy + repair, and Missed rent + turnover. Each scenario uses only the assumptions relevant to that scenario.
Is this the same as RentFlow Pro Net Cash Horizon?
No. This free tool models one property and one selected scenario from manual inputs. RentFlow Pro Net Cash Horizon is a connected portfolio-level planning feature that uses RentFlow records and scenario assumptions across the landlord portfolio.
From one rental to the whole portfolio.
This is one property and one scenario. RentFlow Pro monitors cash horizon across your entire portfolio.
Cash-Flow Forecasting and Cross-Portfolio Net Cash Horizon use connected RentFlow records and scenario assumptions to give landlords a broader forward-looking planning view.