Humble Exit · Estimate
Sell now
Net sale proceeds after selling costs and current loan payoff.
Hold
Projected cash flow and net sale proceeds at horizon.
Refinance & hold
Projected cash flow after refinance and net sale proceeds at horizon.
Details at a glance
Current monthly P&I —
Projected value at horizon —
Current loan balance at horizon —
New loan at refinance (based on current value) —
Refinance cash-out after payoff & costs —
New monthly P&I — How to read this: Sell now subtracts estimated selling costs and the current loan balance from current value. Hold adds projected operating cash flow after current loan payments to estimated net sale proceeds at the end of the horizon. Refinance & hold models the refinance at the current value. Its new loan pays off the current balance and refinance costs at that time; after that, the projection adds operating cash flow after new loan payments and estimated net sale proceeds at the horizon. The paths use simplified assumptions and are not present-value discounted.
Example: At a $300,000 value with a $200,000 current balance, $2,500 monthly NOI, 3% annual appreciation, and a five-year horizon, estimated sell-now proceeds are about $79,000 after 7% selling costs and loan payoff. A refinance loan is calculated from current value and entered LTV, then pays off the current loan and modeled refinance costs. The comparison horizon includes projected cash flow after the new loan payment and projected net sale proceeds, without assuming a second cash-out. Change the sample inputs to compare your own scenarios.
What to verify next The numbers above are planning estimates built from the amounts you entered. These are checks for you to complete with local quotes, documents, and qualified professionals — they are not advice, verified quotes, or confirmed terms.
Ask local agents for a realistic selling price and commission, and get quotes for closing and repair costs. Estimate capital-gains taxes with a tax professional, including depreciation recapture for a rental. Request an official payoff statement from your lender instead of estimating the remaining loan balance. Confirm with the lender whether prepayment penalties or payoff timing rules apply before choosing that path. Your next step Whichever exit you lean toward, make sure the deal survives a rough year: run the Humble Stress Test, or read the first-property guide.
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Planning estimates only. Assumed appreciation, NOI, rents, and expenses may not occur. This simplified comparison excludes income and capital-gains taxes, discounting / time value of money, prepayment penalties, lender requirements, closing and sale items beyond your entered rates, major capital needs, and other costs. A refinance may not be available and cash-out is not profit. Not financial, tax, legal, valuation, or lending advice.