Rent, sell, cash, or finance

Choose the stronger home strategy.

Compare keeping the current house as a rental against selling it, while also testing whether the next home should use more cash or a bigger mortgage.

Required inputs 6 ready

Current home value Current mortgage balance Estimated monthly rent Next home price Cash available Hold period

Baseline assumptions rates, growth, costs

Current mortgage rate New mortgage rate Current-home appreciation New-home appreciation Rent growth Vacancy Maintenance + CapEx Property management Selling costs Cash return Finance down payment Cash-heavy loan target

Recommendation

Calculating...

Update any input to test the tradeoff.

Advantage $0

Rental ROIC 0%

Break-even rent $0

10-year net worth path ending value

Flip points what changes the call

Rent cushion $0 above break-even monthly rent

Rate pressure 0% new mortgage rate assumption

Equity released by sale $0 after selling costs

Balance-sheet comparison ranked by ending net worth

Strategy	Ending net worth	Debt	Cash reserve	Rental cash flow	Rank

Decision memo

Keep the model honest.

This is a planning tool, not financial advice. The next useful pass is hardening tax treatment, insurance, exact PITI, and cash-flow timing.