Hold vs. Sell Analyzer

Should you sell or keep holding?

Model your net proceeds today against the projected wealth of holding longer — then compare.

Your Property Today

Current Market Value$350,000Remaining Loan Balance$229,000Monthly Rent$2,400Expenses % of rentLoan Years RemainingInterest Rate %Annual Rent Growth %

Sale Assumptions

Your Tax Basis?$200,000Selling Costs %?Alternative Return %?

Sell

Selling and redeploying projects $219,644 more than holding over 10 years

-$219,644

projected 10-year difference

Sell Now

Current market value$350,000

Selling costs (6%)-$21,000

Est. capital gains tax (20%)-$30,000

Net proceeds in pocket$299,000

Tax basis: $200,000 · Gain: $150,000 × 20% long-term rate. Does not include depreciation recapture — consult a tax advisor.

If you reinvest $299,000 at 7%/yr for 10 years:

$588,178

future value of sale proceeds

Hold 10 Years

Total cash flow collected$51,076

Estimated equity at exit$317,459

Total projected wealth$368,535

Appreciation assumed at 3%/yr · Rent growth at 3%/yr · Loan paid off: No, 10 years remaining

Current monthly cash flow: $145/mo

Projected at year 10: $805/mo

Property value at year 10: $470,371 · Remaining loan: $152,912 · P&I: $1,775/mo

Appreciation assumed 3%/yrCapital gains rate 20% (long-term)Selling costs 6% (commission + closing)

This tool models simplified scenarios. Consult a tax advisor before making sell decisions — depreciation recapture and state taxes are not modeled here.

Thinking about refinancing instead?

See if a rate change improves your hold math

Run DSCR, break-even, and 10-year NPV on your current loan

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