All calculators
Free · No signup
Sell vs Hold Calculator
Compare Sell Now, Hold & Rent, and Refi & Hold over your target horizon so you pick the best exit for your property.
Property today
Current financing
Horizon & growth
Refinance scenario
Best exit over 5 yrs
Hold & rent
Sell now
Total return
-$28,200
Net proceeds$53,200
Cumulative cash flow$0
ROI on original capital-34.6%
- · Sell at listed price with ~6% costs.
- · No rental income or appreciation captured.
Hold & rent
Total return
$32,033
Net proceeds$108,538
Cumulative cash flow$4,895
ROI on original capital39.4%
- · 5-yr hold at 3.0%/yr appreciation.
- · Rent grows 2.0%/yr; sells at end.
Refi & hold
Total return
$21,824
Net proceeds$106,625
Cumulative cash flow-$3,401
ROI on original capital26.8%
- · Refi in yr 2 at 75% LTV, 7.50% / 30yr.
- · Cash-out on refi: ~$17,641.
Run this against your whole portfolio
Property Hunter stores each property with its current numbers so you can re-run exit scenarios any time the market moves. Free 14-day Pro trial.
Start free trial