{
  "name": "distressed",
  "description": "High-deferred-maintenance, title and environmental stress case.",
  "riskTilt": "high",
  "assumptions": {
    "occupancyShift": -0.08,
    "rentGrowthShift": -0.003,
    "expenseInflationShift": 0.03,
    "capRateShiftBps": 80,
    "lenderSpreadShiftBps": 95,
    "legalComplexity": "high",
    "environmentalRisk": "high"
  },
  "expectedVerdict": "FAIL"
}
