Follow the default numbers.
With purchase price of $350,000, monthly rent of $2,400, the model gives renting advantage at end of hold: $41,883.
The formula is rent cash flows + future net equity vs invested sale proceeds. Open the breakdown to trace expenses and assumptions. Change one input at a time to see how your decision changes. This example uses scenario inputs; it is not an offer, tax bill, appraisal or legal determination.
Compare the two uses of equity
Selling now produces cash equal to current property value less payoff and selling expenses. The comparison compounds that cash at the alternative investment return. Renting retains the property, collects the shared model’s cash flows and realizes modeled net equity on the future sale. These are pre-tax scenarios, so sale taxes, rental tax benefits and alternative investment taxes can change the conclusion.
Use the current loan, not a hypothetical purchase loan
For this page, the current mortgage balance drives debt service, future payoff and equity. The acquisition LTV field from the general investment model is not a substitute for that balance. Include repairs or conversion expenses in your cash budget. Renting can involve vacancy, management, tenant obligations and a delayed sale, none of which the reinvestment scenario experiences in the same way.
Opportunity cost is a chosen assumption
The alternative-return input does not represent a promised return from a savings account or portfolio. A higher return favors selling; higher property appreciation can favor renting. This comparison accumulates rental cash flow without reinvesting it. Use the same time horizon for both scenarios and inspect the individual cash-flow and equity components before relying on their difference.
Keep your assumptions with the result
Save the calculation to your deal file to reuse compatible inputs in another tool. The file stays in this browser on this device. Download the CSV to open the complete inputs, results and schedule in Excel or Google Sheets. Use PDF to print the report or save it as a PDF. A share link includes entered financial figures in its URL, so use it only with people you intend to share those numbers with.