What you get
A verdict you can hand to your committee
Enter your pro forma and the Pressure Test stresses every assumption — then returns a clean, white-labeled report built to make one call: build it, fix it, or pass.
1
The verdict, up top
Proceed, restructure, or pass — right beside the covenant scorecard: minimum DSCR, investor IRR and the funding gap. No digging required.
PROCEEDRESTRUCTUREPASS
2
Where the deal breaks
Every driver ranked by how hard it pushes you toward a breach — plus a 4,000-run Monte Carlo showing the real probability the deal clears, not one tidy base case.
3
So anyone can read it
A plain-English glossary defines every term — DSCR, IRR, covenants, Monte Carlo — so your whole committee reads the same numbers the same way. Stress scenarios and full assumptions are in there too.
White-labeled to your shop
Your logo on the cover and your project's numbers throughout — only a small BuildLab credit stays locked in the footer.
Illustrative model. This pressure-test runs on a simplified, placeholder underwriting engine — loan sizing, equity timing and the IRR waterfall are stand-ins, not your funded terms. Use it to see how a deal bends under stress, not as a substitute for a fully underwritten pro forma. Talk to BUILDLAB to model your actual deal.
Pro Forma Pressure Test
Untitled Project
80 units · 15-yr
COVENANT BREACH
Sources & uses
Units & income
Financing
Growth & exit
Recommendation
Restructure / pass
COVENANT BREACH
Min DSCR 0.86× vs 1.15× floor · $1.79M surplus · 0% of stress scenarios clear. Absorbs a 6.4% cost overrun before it breaks.
Debt $12.75M · LP equity $11.04M · Soft $6.00M · per-unit TDC $350k
Min DSCR
0.86×
floor 1.15 · -0.29
Funding gap
−$1.79M
fully sourced
Investor IRR
0.4%
hurdle 6.0%
P(breach)
100%
4,000 sims
Tornado — driver sensitivity
Each bar spans the metric from −20% to +20% of the driver. Longest bar = sharpest knife.
Monte Carlo — min DSCR distribution
P5 0.45× · median 0.75× · P95 1.01×
Operating waterfall — DSCR & cash flow
DSCR on the left, annual cash flow on the right. Year-1 reflects the lease-up haircut.
- DSCR
- Cash flow
Scenarios — bundled stress
Several drivers move together. This is where compounding failures surface that a single-variable sweep misses.
| Scenario | Min DSCR | Funding gap | Investor IRR | Verdict |
|---|---|---|---|---|
| Base | 0.86× | −$1.79M | 0.4% | BREACH |
| Downside | 0.57× | −$1.17M | -2.6% | BREACH |
| Severe | 0.29× | $1.79M | -5.3% | BREACH |
Loan sizing, equity timing and the IRR waterfall use placeholder logic — swap in your spec's math, then validate against a hand-underwritten deal before trusting any output.
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