Observed arrival · 2026-09-30
Apartment Cash-Flow Stress Test
A Japanese-language calculator tests how interest-rate increases and vacancies affect the first-year cash flow of a financed apartment building.
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- For
- People evaluating a financed apartment building in Japan
- Worth noticing
- The free model excludes major repairs from its main first-year result; the spreadsheet version covers 35 years, with a stated mismatch for loans over 35 years.
Field notes
The calculator distinguishes the current-rate indicators from the separate rate-rise scenario control: the page says the latter does not change the four indicators calculated at the current rate. Its formulas define operating costs as a share of full-occupancy rent, treated as unchanged when vacancy rises. The free tool allows terms up to 40 years, while the described spreadsheet projection ends at 35 years and may not match for longer loans.
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Editorial observations of this landing page, not a rating.
○OpenPublic substance visible
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●ProPolished or operationally mature
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