ReserveWise
Forecast maintenance reserves so one bad month does not wreck portfolio cash flow.
Investors do loan modelling obsessively, then run repairs off vibes. This tool fixes that.
Scenario controls
$2200
$180
$1200
Scheduled spend drivers
Hot water system
Due in 2y · cycle every 10y
$2200
capex
Split-system major service
Due in 1y · cycle every 2y
$320
preventive
Smoke alarm compliance
Due in 1y · cycle every 1y
$129
compliance
Exterior repaint
Due in 3y · cycle every 7y
$4800
capex
Gutter clean + roof check
Due in 1y · cycle every 1y
$240
preventive
Carpet replacement
Due in 4y · cycle every 8y
$3600
capex
5y scheduled spend
$13405
Lowest reserve
$-1876
Year 5 reserve
$-405
Five-year reserve path
Year 1
Reserve start $2200
healthy
Contribution +$2160
Scheduled spend -$689
Reserve end $3671
Year 2
Reserve start $3671
healthy
Contribution +$2160
Scheduled spend -$2569
Reserve end $3262
Year 3
Reserve start $3262
cash shortfall · below vacancy buffer
Contribution +$2160
Scheduled spend -$5489
Reserve end $-67
Year 4
Reserve start $-67
cash shortfall · below vacancy buffer
Contribution +$2160
Scheduled spend -$3969
Reserve end $-1876
Year 5
Reserve start $-1876
cash shortfall · below vacancy buffer
Contribution +$2160
Scheduled spend -$689
Reserve end $-405
Interpretation
If the reserve dips below your vacancy buffer, this property is not truly cash-flow safe. You are one repair away from injecting capital or increasing debt pressure.
Want Reserve Planning Alerts?
Join if you want reserve planning tied to real property maintenance events instead of a generic sinking-fund spreadsheet.