Transparent calculator methodology
Compare future wealth from selling now or renting the property
This calculator puts both choices on the same time horizon so current equity, future rental cash flow, mortgage amortization, appreciation, and eventual selling costs are not mixed together.
What the estimate includes
- Net proceeds available if the property is sold now
- Effective rent after vacancy, management, maintenance, taxes, insurance, and HOA costs
- Future property value, mortgage balance, and selling costs
- Potential investment growth on sale proceeds or rental cash flow
How the comparison works
The sell scenario grows estimated net sale proceeds at the entered investment return. The rent scenario combines projected after-expense cash flows with the property equity remaining after a future sale. The difference is a modeled wealth gap, not a guaranteed return.
Important limitation
Future rent, appreciation, repairs, taxes, vacancies, investment returns, and sale prices are uncertain. Confirm tax consequences and landlord requirements with qualified local professionals.