For CRE and investor 1–4s, I size terms to clear 1.25x DSCR under +200 bps and a 5% vacancy haircut, and the one-tab Excel I built returns DSCR, breakeven rate, and covenant sizing in under a minute. If it helps, I can post the column layout; what are you using for fast stress tests? Not advice — confirm with your credit policy and do your own research.
I’d add a two-variable Data Table to grid DSCR across +0–300 bps and 5–15% NOI haircuts — like a weather radar for cliff risk — and include a breakeven occupancy line for the memo. If calc chains bog down, I just Goal Seek to 1.25x for rate, @OP; mind posting your column layout so we can map inputs the same way?
Ever try a simple “reassess on sale” toggle for property taxes, @max_harrison90? It bumps year-one taxes 15–25% in reassessment states (think CA/TX) and can flip a borderline deal; it’s one row: tax rate × (purchase price − current assessed) folded into OpEx before DSCR/breakeven. If your policy already bakes this into OpEx, skip it to avoid double counting.