For Engineers Who Invest

Due diligence,
engineered.

You wouldn't sign off a structure without load calculations. Don't sign a contract of sale without them either. Get the 27-point Stress-Test Model we run on every commercial property deal — the framework that rejected 197 of the 200 deals we reviewed last year.

27 checks · 6 failure modes · 1 verdict

Free — includes the screening calculator

Conceptual architecture · brand illustration

Get the Stress-Test Model

General information only — not personal financial product advice. After your request is received, the model and calculator are available to download on this page.

The Model

Every deal fails somewhere.
We test six places first.

01

Tenant Covenant

Who actually pays the rent — and can that business survive a bad year? The yield is only as strong as the entity behind it.

02

WALE & Expiry Cliff

Weighted lease expiry mapped against your hold period. If half the income expires inside it, the deal fails.

03

Outgoings Recovery

“Estimated” outgoings on a brochure are hidden liabilities. We audit what is actually recoverable, line by line.

04

Rate Sensitivity (+200 bp)

A deal that only works at today’s debt cost is not a deal. It has to stand at stressed rates.

05

Vacancy Load Case

Six months empty: outgoings, debt service and re-letting incentives, all at zero income. Pass, or walk.

06

Exit Liquidity

Easy to buy means nothing. We test the depth of the market you will one day sell into.

… plus 21 more checks inside the model — each with a pass/fail criterion.

The Path

No pressure. Just a sequence.

01

Run the Model

Download the 27-point Stress-Test Model and calculator. Screen the next deal an agent sends you — before you fall in love with it.

02

Discuss an Example

Contact the team to discuss the framework and ask which worked examples can be shared for your learning.

Discuss the framework

03

Explore Member Access

Vincze Capital has a separate member catalogue. Access depends on approval and membership; review its current terms before subscribing.

Review Capital access

Vincze Commercial Pty Ltd (ABN 23 689 610 428) provides buyer's advocacy and education services. All information on this page, in the Stress-Test Model and in related emails is general in nature and does not constitute financial product advice or a recommendation to acquire any asset. Consider your own objectives, financial situation and needs, and seek independent professional advice before acting. Past results are not indicative of future performance.

STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.STRESS-TEST FIRST. SIGN LATER.