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Four quick calculators to make sense of the biggest decision of your year. Move the sliders, see the real story behind the math. Susanna runs them for you on a specific home anytime you ask.

Buy vs. Rent

Over a few years, does buying beat renting once you count appreciation, equity, and the cost of selling? Move the sliders.

Home price $1,200,000

Down payment 20%

Mortgage rate 6.75%

Home appreciation / yr 4%

Your current rent $4,500

Rent growth / yr 4%

Years you'll stay 7

Live

Over 7 years, buying is

$314,700 cheaper

Buying wins

Monthly cost to own (with upkeep)$8,627

Net cost of owning, after sale$111,800

Total rent paid$426,500

Home value at end$1,579,100

Equity you walk away with$612,800

Assumes property tax 1.25%, insurance 0.35%, and maintenance 1% of value per year, and 6% selling cost. A concept estimate, not financial advice.

True Monthly Payment

The honest monthly number on a specific home: not just principal and interest, but taxes, insurance, HOA, and upkeep.

Home price $1,200,000

Down payment 20%

Mortgage rate 6.75%

Property tax / yr 1.25%

Insurance / yr $1,800

HOA / mo $0

Maintenance / yr 1.0%

Live

Real monthly cost

$8,627 / mo

Principal & interest$6,227

Property tax$1,250

Insurance$150

HOA$0

Maintenance reserve$1,000

Loan amount$960,000

A concept estimate, not a quote or financial advice. Your lender's numbers will be precise.

Seller Net Proceeds

What you actually walk away with after commission, closing costs, your loan payoff, and any repairs or concessions.

Sale price $1,500,000

Mortgage payoff $600,000

Total commission 5.0%

Closing costs 1.5%

Repairs & concessions $10,000

Live

You net

$792,500

Sale price$1,500,000

Commission−$75,000

Closing costs−$22,500

Repairs & concessions−$10,000

Loan payoff−$600,000

Net proceeds$792,500

A concept estimate. Title, escrow, and transfer taxes vary; your agent will give you a net sheet.

Commercial Cap Rate

For investment and commercial property: net operating income, cap rate, and leveraged cash flow at a glance.

Purchase price $2,000,000

Gross rent / yr $180,000

Vacancy 5%

Operating expenses 35%

Down payment 30%

Loan rate 7.00%

Live

Cap rate

5.56%

Cash-flow positive

Effective gross income$171,000

Operating expenses−$59,850

Net operating income$111,150

Debt service / yr−$111,800

Cash flow / yr (cash-on-cash)−$650 (-0.1%)

A concept estimate, not investment advice. Confirm income, expenses, and financing before you act.

Numbers raising questions?

Susanna will run them for your exact situation, on a specific address, and tell you straight whether it works.

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