R↔S

Rent vs. Sell — quick decision tool

Compare net wealth after N years if you sell now and invest your proceeds vs. rent the property, collect cash flow, and sell later.

Inputs

Current market value ($) Horizon (years) Loan balance ($) Loan APR (%) Years remaining on loan Sell costs now & later (% of price) Monthly rent ($) Vacancy allowance (% of rent) Property mgmt (% of rent) Maintenance/CapEx (% of value / yr) Property tax ($/yr) Insurance + HOA ($/yr) Expected appreciation (%/yr) Invested return (%/yr) — for sale proceeds & cash flow

Simplified model; excludes taxes (depreciation, capital gains), closing credits, and rent growth. Treat as a planning aid, not financial advice.

Scenario A — Sell now

Net proceeds invested for the full horizon.

Scenario B — Rent it

Cash flow + equity + net sale later (cash flows assumed reinvested at your return).