레버리지 위험 테스터 계산기

무료 계산기: 부동산 가치 하락 시나리오에서 자기자본을 테스트하세요.

Property Value

LTV Tiers

Drop Scenarios

결과

LTV	Drop	Equity	Neg Equity
60%	-10%	$150,000	No
60%	-20%	$100,000	No
60%	-30%	$50,000	No
60%	-40%	$0	Yes
70%	-10%	$100,000	No
70%	-20%	$50,000	No
70%	-30%	$0	Yes
70%	-40%	-$50,000	Yes
80%	-10%	$50,000	No
80%	-20%	$0	Yes
80%	-30%	-$50,000	Yes
80%	-40%	-$100,000	Yes
90%	-10%	$0	Yes
90%	-20%	-$50,000	Yes
90%	-30%	-$100,000	Yes
90%	-40%	-$150,000	Yes

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작동 방식

Enter property value, LTV tiers as comma separated percentages, and market drop scenarios as comma separated percentages. The tool builds an equity risk matrix for real estate investors evaluating leverage before acquiring or refinancing. Example: $500K property at 80% LTV starts with $100K equity. A 25% price drop leaves negative equity unless you post additional cash or accelerate principal paydown. Run the matrix before maxing HELOC draws in appreciating markets because drop scenarios reveal how quickly equity cushion disappears when prices mean revert. Enter property value and comma separated LTV tiers such as 60, 70, 80, 90 to see equity buffer at each leverage level. Enter comma separated price drop scenarios five ten twenty twenty five to match regional stress cases. Enter property value and comma separated LTV tiers such as 60, 70, 80, 90 to see equity buffer at each leverage level. Enter comma separated price drop scenarios five ten twenty twenty five to match regional stress cases.

Review initial equity, after shock equity, and negative equity flags for every LTV and drop combination. Max safe drop per LTV tier is the breakeven decline before equity hits zero. Use the matrix to set maximum leverage policy for your portfolio before underwriting the next acquisition. Negative equity flags are hard stop signals requiring uncommitted cash reserves. Compare rows side by side to see how each 10% LTV increase shrinks the safe drop buffer by the same increment regardless of property price level. Matrix shows negative equity flag when price drop exceeds max safe drop for that LTV row. Compare max safe drop to regional price decline history from Historical Drawdown or local HPI data. Matrix flags negative equity cells when price drop exceeds max safe drop for LTV row. Matrix shows negative equity flag when price drop exceeds max safe drop for that LTV row. Compare max safe drop to regional price decline history from Historical Drawdown or local HPI data. Matrix flags negative equity cells when price drop exceeds max safe drop for LTV row.

보수적 및 낙관적 시나리오로 가정을 테스트하세요. 다양한 입력값 간 결과를 비교하세요. 결정을 내리기 전에 민감도 분석을 실행하세요.

입력값이 변경될 때마다 레버리지 위험 테스터을(를) 사용하세요: 시장 변동, 새로운 기여금 또는 수정된 개인 가정 후. 소프트웨어 설치 없이 빠른 재실행을 위해 페이지를 북마크하세요.

단계별 안내

레버리지 위험 테스터을(를) 열고 현재 입력값을 입력하세요.
계산된 출력과 요약 테이블을 검토하세요.
가정을 조정하고 시나리오를 나란히 비교하세요.

실전 예제

Example scenario for Leverage Risk Tester: $500, 80%, $100. Enter those values above to reproduce the walkthrough described in How it works.

한 번에 하나의 입력을 조정하여 민감도를 확인하세요. 레버리지 위험 테스터은(는) 즉시 업데이트되므로 행동하기 전에 낙관적 및 보수적 가정을 스트레스 테스트할 수 있습니다.

이 계산기를 사용할 때

Reach for Leverage Risk Tester when test equity under property value drop scenarios.. It suits quick what if analysis before trades, allocation changes, or plan updates.

결정이 세금, 유동성 또는 하나의 공식이 포착하는 것 이상의 다년 전망을 포괄할 때 관련 도구와 함께 사용하세요.

흔한 실수

입력 단위나 오래된 시장 가격을 확인하지 않고 출력을 복사하는 것은 레버리지 위험 테스터에서 흔한 오류입니다. 행동하기 전에 티커, 백분율 및 날짜를 확인하세요.

단일 기준 시나리오만 실행하면 꼬리 위험을 무시합니다. 보수적 입력으로 스트레스 테스트하고 결정이 중요할 때 아래 나열된 관련 도구와 비교하세요.

공식

Initial Equity = Property Value × (1 - LTV/100). After Shock = Property Value × (1 - Drop/100) - Property Value × LTV/100. Negative Equity = After Shock ≤ 0. Max Safe Drop = (1 - LTV/100) × 100.

Computes equity across all LTV and drop combinations and flags negative equity cells. Ignores transaction costs, insurance, and carrying costs during vacancy. Add those mentally for rental property analysis. Assumes fixed loan balance as percentage of original value rather than amortization schedule, which slightly overstates loan balance on seasoned mortgages. Ignores transaction costs to cure negative equity: short sale or cash injection costs sit outside matrix math. Interest only loans do not reduce balance: shock equity math uses constant loan balance unless you model paydown. Rental income does not cure negative equity: only additional cash injection or price recovery restores lender cushion. HELOC stacked on first mortgage raises effective LTV: sum liens before analysis. Ignores transaction costs to cure negative equity: short sale or cash injection costs sit outside matrix math. Interest only loans do not reduce balance: shock equity math uses constant loan balance unless you model paydown. Rental income does not cure negative equity: only additional cash injection or price recovery restores lender cushion. HELOC stacked on first mortgage raises effective LTV: sum liens before analysis.

제한 사항 및 가정

주요 용어

How is equity under market drops calculated: Initial Equity equals property value times one minus LTV percentage.
What is the maximum safe drop: Max Safe Drop equals one minus LTV times 100.
모델 가정: Lenders may issue a margin call when equity falls below a threshold tied to LTV.

대안 비교

portfolios.tools의 내부 링크는 계산기 체인을 도와줍니다: 먼저 레버리지 위험 테스터을(를) 실행한 다음, 아래 관련 섹션의 전문 도구로 엣지 케이스를 검증하세요.

FAQ

How is equity under market drops calculated?

Initial Equity equals property value times one minus LTV percentage. After Shock Equity equals new property value minus outstanding loan balance. A 20% drop on 80% LTV wipes initial equity entirely. Rental investors should model vacancy and insurance costs separately because this matrix focuses on price and loan math only. Primary residence owners facing job loss may need additional cash beyond matrix output to avoid forced sale when equity turns negative. Commercial loans use different advance rates than residential: adjust LTV inputs to match your lender term sheet. Max safe drop equals one hundred minus LTV percent: eighty LTV tolerates twenty percent price decline before zero equity. Max safe drop percent equals one hundred minus LTV: eighty LTV allows twenty percent decline. Commercial loans use different advance rates than residential: adjust LTV inputs to match your lender term sheet. Max safe drop equals one hundred minus LTV percent: eighty LTV tolerates twenty percent price decline before zero equity. Max safe drop percent equals one hundred minus LTV: eighty LTV allows twenty percent decline.

What is the maximum safe drop?

Max Safe Drop equals one minus LTV times 100. An 80% LTV can withstand a 20% drop before negative equity. At 90% LTV only a 10% price decline erases equity buffer. Max safe drop is your first line defense metric before considering cash reserves to cure a margin call. Investors targeting 60% LTV policies accept lower returns in exchange for surviving 40% regional price declines without posting additional collateral. HELOC stacked on first mortgage raises effective LTV: sum liens before trusting single loan LTV field. HELOC stacked on first mortgage raises effective LTV: sum liens before trusting single loan LTV field.

When does a margin call occur?

Lenders may issue a margin call when equity falls below a threshold tied to LTV. Margin call thresholds vary by lender but often trigger well before zero equity. Treat negative equity cells as hard stop signals and keep uncommitted cash equal to at least one tier of drop coverage. Portfolio lenders on multiple properties may cross collateralize, meaning a drop on one asset can trigger cures across the entire book even when other properties retain equity. Negative equity cells flag deal structures needing cash reserves to cure lender margin calls. Negative equity cells flag deal structures needing cash reserves to cure lender margin calls.

Which LTV tiers should I test?

Common LTV tiers include 60%, 70%, 80%, and 90%. Each tier maps to a specific maximum safe drop. Test your actual mortgage LTV plus one tier higher to see sensitivity if you refinance or draw a HELOC. Commercial loans may use different advance rates than residential templates shown here. House hackers using FHA at 96.5% LTV should test 90% and 95% drop rows to understand how little price decline creates underwater positions. Rate reset risk on ARM adds payment shock separate from price drop matrix: stress PITI independently. Rate reset risk on ARM adds payment shock separate from price drop matrix: stress PITI independently.

How many scenarios can I test?

Enter multiple LTV tiers and drop scenarios simultaneously. Matrix output compares every combination so you can see nonlinear risk as leverage rises. Export mental notes into your investment memo when presenting leverage limits to partners or lenders. Typical stress tests include 10%, 20%, and 30% drops against 70% and 80% LTV rows because those combinations match recent regional real estate cycle peaks in many US metros. Portfolio level leverage caps often limit aggregate LTV across properties: repeat matrix per asset then sum exposure. Portfolio of three properties should run matrix per asset then sum negative equity exposure across book. Portfolio level leverage caps often limit aggregate LTV across properties: repeat matrix per asset then sum exposure. Portfolio of three properties should run matrix per asset then sum negative equity exposure across book.

이 Leverage Risk 계산기를 휴대폰이나 태블릿에서 어떻게 사용하나요?

네. Leverage Risk 계산기는 최신 모바일 브라우저에서 데스크톱과 동일한 공식으로 작동합니다. 선택적 localStorage로 입력값을 기기에 저장할 수 있습니다.

레버리지 위험 테스터을(를) 사용할 때 내 데이터는 어디에 저장되나요?

당사 서버 어디에도 없습니다. 계산은 브라우저에서 로컬로 실행됩니다. 선택적 localStorage는 기기에서만 양식 필드를 저장하며 네트워크를 통해 포트폴리오 번호를 전송하지 않습니다.

세금 또는 법적 결정에 레버리지 위험 테스터에 의존해야 하나요?

아니요. 이 도구는 교육용 수학만 제공합니다. 세법, 계좌 규칙 및 개인 상황은 다양합니다. 중대한 결과를 초래하는 거래 전에 자격을 갖춘 세무 또는 법률 전문가와 상담하세요.