Calculating…
Sell Today – Cash in Hand
$0
Net proceeds, today
Sale price$0
Less: realtor commission$0
Less: legal & closing$0
Less: mortgage payoff$0
Net proceeds in hand$0
💵 This is the lump sum that lands in your bank account on closing day.
Rent It Out – Annual Cash Flow
$0
Year 1 cash flow ($0/mo)
Annual rent$0
Less: property tax$0
Less: insurance$0
Less: condo / HOA$0
Less: property management$0
Less: mortgage interest (true expense)$0
Less: mortgage principal (= equity built)$0
Year 1 cash flow$0
💡 Principal payments aren't a real expense — every dollar of principal you pay converts into your equity. Add back this year's $0 in principal payments plus $0 in appreciation, and your true Year 1 wealth gain is $0.
Multi-Year Snapshots
Here's how your numbers evolve if you keep renting — with your assumed rent growth and appreciation applied each year. No future projections, just snapshot views.
Year 1 (Today)
Monthly rent$0
Annual cash flow$0
Mortgage interest$0
Mortgage principal$0
Home value$0
Mortgage balance$0
Annual wealth gain$0
Year 5
Monthly rent$0
Annual cash flow$0
Mortgage interest$0
Mortgage principal$0
Home value$0
Mortgage balance$0
Annual wealth gain$0
Year 10
Monthly rent$0
Annual cash flow$0
Mortgage interest$0
Mortgage principal$0
Home value$0
Mortgage balance$0
Annual wealth gain$0
Year-by-Year Detail (Years 1–10)
Full breakdown of each year if you keep the property as a rental — rent growth and appreciation applied each year, mortgage principal vs. interest tracked precisely.
| Year | Monthly Rent(this year) | Cash FlowAnnual | Cash FlowCumulative | InterestAnnual | PrincipalAnnual (equity) | Home ValueEnd of year | Mortgage Bal.End of year | Wealth GainAnnual | Wealth GainCumulative |
|---|
Watch the trend: as rent grows, mortgage balance shrinks, and home value compounds, your annual wealth gain accelerates each year.
