Sensitivity reports are considered a necessity by many lending institutions. Why? Many examiners who analyze commercial real estate loan and investment portfolios scrutinize the "trends" of a project and its ability to withstand fluctuations within the market. Sensitivity reports indicate how well a loan or investment will cope with these fluctuations. In our reports several ranges are included for the three most important components, which are occupancy level, income and interest rate. We also have separate reports for projects renting by the unit and those renting by the square foot. In each of the separate reports the breakeven for that component is also indicated. These reports are extremely valuable to both lenders and investors.