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CRDF Deal Stress Test™ — Framework Reference
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Ten steps from deal inputs to a climate-adjusted verdict.
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Blank master template · Free to use · Populate with your own numbers · climatereadyre.com · © Climate-Ready Real Estate Investing
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About the Deal Stress Test
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The CRDF Deal Stress Test is the applied product of the framework — the repeatable, ten-step process by which all 12 signals, with appropriate weightings and interactions, are brought to bear on a specific real estate asset. This Framework tab is your reference. The Episode Example tab shows a completed test. The Your Deal tab is where you run your own analysis.
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The Ten-Step CRDF Deal Stress Test Methodology
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StepOutcome
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Step 1 — Deal FrameCapture the deal's economics in one place — the inputs every later step reads from.
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Step 2 — Classify ContextSet asset class, geography, and hold — this selects the weighting that drives your score.
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Step 3 — Pull Signal DataGather current, dated data for all 12 climate signals on this deal.
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Step 4 — Assign ThresholdsScore each signal Green / Yellow / Red for this deal.
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Step 5 — Apply WeightingsWeight each signal by asset class; override only with a recorded reason.
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Step 6 — Evaluate InteractionsFlag the signal combinations that compound risk on this deal.
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Step 7 — Financial ImpactTranslate the scores into dollars: insurance, utilities, capex, and exit cap.
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Step 8 — Traditional vs. Climate-AdjustedRun the deal both ways and read the value gap.
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Step 9 — Composite ScoreGet one number: the composite risk band — Durable / Watch / Stressed — with a confidence read.
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Step 10 — Written MemoDecide: Proceed, Proceed with Conditions, Reprice, or Pass — with the evidence behind it.
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Composite Bands (Charter v1.1 — non-overlapping half-open intervals)
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Durable1.0 ≤ C < 1.6
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Watch1.6 ≤ C ≤ 2.2
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Stressed2.2 < C ≤ 3.0
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