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Eviction Moratorium Exposure Calculator
Eviction moratoriums (COVID-era) amplified delinquency and recovery risk.
Total exposure
$1,377,000
Accumulated debt
$1,836,000
Expected recovery
$459,000
How the math works
Accumulated = rent roll × delinquency × months. Recovery = accumulated × recovery rate.
$850k × 18% × 12 = $1.84M accumulated × 25% = $459k recovery. $1.38M exposure.
How to Use
- Enter monthly rent roll.
- Enter delinquency rate %.
- Enter expected moratorium months.
- Enter recovery rate post-moratorium %.
- Read total exposure.
Frequently Asked Questions
Moratorium impact?
2020-22 CDC moratorium + state moratoriums amplified delinquency 3-5x. Many properties saw 20-40% delinquency rates. Eviction backlog took 18-36 months to clear. Permanent bad debt increased materially.
Recovery difficulty?
Tenant owed $20-30k often unable to pay. Payment plans rarely fulfilled. Emergency rental assistance partial. Judgment often uncollectable. Expect 10-30% recovery on moratorium-accumulated debt.
Future risk?
State-level moratoriums possible (NY, CA, HI active as of 2024). Local ordinances (many cities). Include moratorium scenarios in underwriting. Maintain 60-90 days reserve for extended delinquency.
What documentation matters here?
Written leases, move-in/move-out inspections with photographs, ledger entries showing every payment and charge, served notices with proof of service, and contemporaneous emails or texts. Courts weigh written evidence heavily; informal understandings rarely stand. Institutional operators run a monthly file audit to catch gaps before they matter. Good paper trails recover most of what's owed.
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