{"id":1226,"date":"2026-09-23T23:29:01","date_gmt":"2026-09-23T23:29:01","guid":{"rendered":"https:\/\/buy.daytonproper.com\/owners\/rent-vs-sell-calculator\/"},"modified":"2026-09-23T23:29:01","modified_gmt":"2026-09-23T23:29:01","slug":"rent-vs-sell-calculator","status":"publish","type":"page","link":"https:\/\/buy.daytonproper.com\/sw\/owners\/rent-vs-sell-calculator\/","title":{"rendered":"Rent vs. Sell Calculator"},"content":{"rendered":"\n<p>Every landlord asks this eventually. The honest answer depends on more than the sale price &mdash; it depends on what the property earns while you hold it, and on the fact that a resident is paying your loan down the whole time. This puts both sides on the same page.<\/p>\n\n\n\n<div style=\"background:#f2f2f7;border-radius:14px;padding:22px;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;\"><div style=\"background:#fff;border-radius:12px;padding:18px;margin-bottom:14px;\"><div style=\"font-weight:700;margin-bottom:12px;\">The property today<\/div><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">What it is worth now<\/label><input id=\"rs_val\" type=\"number\" value=\"180000\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">Mortgage balance (0 if paid off)<\/label><input id=\"rs_bal\" type=\"number\" value=\"95000\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">Interest rate %<\/label><input id=\"rs_rate\" type=\"number\" step=\"0.01\" value=\"6.5\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">Years left on the loan<\/label><input id=\"rs_left\" type=\"number\" value=\"22\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><\/div><div style=\"background:#fff;border-radius:12px;padding:18px;margin-bottom:14px;\"><div style=\"font-weight:700;margin-bottom:12px;\">If you keep renting it<\/div><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">Monthly rent<\/label><input id=\"rs_rent\" type=\"number\" value=\"1350\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">Monthly operating costs (tax, insurance, management, repairs, vacancy)<\/label><input id=\"rs_op\" type=\"number\" value=\"520\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">Assumed appreciation % a year<\/label><input id=\"rs_app\" type=\"number\" step=\"0.1\" value=\"3\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">How many more years would you hold it?<\/label><input id=\"rs_yrs\" type=\"number\" value=\"5\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><\/div><div style=\"background:#fff;border-radius:12px;padding:18px;margin-bottom:14px;\"><div style=\"font-weight:700;margin-bottom:12px;\">If you sell<\/div><label style=\"display:block;font-size:13px;color:#555;margin:10px 0 4px;\">Selling costs % (commission, closing, concessions)<\/label><input id=\"rs_sell\" type=\"number\" step=\"0.1\" value=\"8\" style=\"width:100%;padding:9px;border:1px solid #d8d8de;border-radius:8px;font-size:15px;\"><\/div><div style=\"background:#fff;border-radius:12px;padding:18px;\"><div style=\"font-weight:700;margin-bottom:12px;\">Side by side<\/div><div style=\"display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #eee;\"><span>Sell today, cash in hand<\/span><b id=\"rs_now\">&mdash;<\/b><\/div><div style=\"display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #eee;\"><span>Cash flow a year if you keep it<\/span><b id=\"rs_cf\">&mdash;<\/b><\/div><div style=\"display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #eee;\"><span>Rent collected over the hold<\/span><b id=\"rs_cum\">&mdash;<\/b><\/div><div style=\"display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #eee;\"><span>Equity when you sell later<\/span><b id=\"rs_eq\">&mdash;<\/b><\/div><div style=\"display:flex;justify-content:space-between;padding:11px 0 4px;font-size:18px;\"><span><b>Keeping it puts you<\/b><\/span><b id=\"rs_diff\" style=\"color:#0A6CFF;\">&mdash;<\/b><\/div><p id=\"rs_note\" style=\"margin:12px 0 0;padding:12px;background:#f2f2f7;border-radius:9px;font-size:14px;line-height:1.5;\">&mdash;<\/p><\/div><\/div><script>(function(){var g=function(i){var v=parseFloat((document.getElementById(i)||{}).value);return isNaN(v)?0:v;};var m=function(n){return (n<0?\"-$\":\"$\")+Math.abs(Math.round(n)).toLocaleString();};function c(){var val=g(\"rs_val\"),bal=g(\"rs_bal\"),rate=g(\"rs_rate\"),left=g(\"rs_left\"),rent=g(\"rs_rent\"),op=g(\"rs_op\"),app=g(\"rs_app\"),yrs=g(\"rs_yrs\"),sell=g(\"rs_sell\");var r=rate\/100\/12,n=left*12,pmt=0;if(bal>0&&n>0){pmt=r>0?bal*r\/(1-Math.pow(1+r,-n)):bal\/n;}var k=Math.min(yrs*12,n),rem=0;if(bal>0&&n>0){rem=r>0?bal*Math.pow(1+r,k)-pmt*((Math.pow(1+r,k)-1)\/r):bal-pmt*k;}if(rem<0)rem=0;var acf=(rent-op)*12-pmt*12,cum=acf*yrs,fv=val*Math.pow(1+app\/100,yrs),eq=fv-fv*(sell\/100)-rem,now=val-val*(sell\/100)-bal,diff=cum+eq-now;document.getElementById(\"rs_now\").textContent=m(now);document.getElementById(\"rs_cf\").textContent=m(acf)+\" a year\";document.getElementById(\"rs_cum\").textContent=m(cum);document.getElementById(\"rs_eq\").textContent=m(eq);document.getElementById(\"rs_diff\").textContent=(diff>=0?\"+\":\"\")+m(diff);document.getElementById(\"rs_note\").innerHTML=diff>=0?\"Holding it another \"+yrs+\" years leaves you about <b>\"+m(diff)+\" better off<\/b> than selling today &mdash; \"+m(cum)+\" in cash flow plus the equity you build while the resident pays the loan down.\":\"On these numbers, selling today comes out about <b>\"+m(-diff)+\" ahead<\/b> of holding for \"+yrs+\" more years. Worth checking the rent assumption before you act on that &mdash; an under-rented house often flips the answer.\";}[\"rs_val\",\"rs_bal\",\"rs_rate\",\"rs_left\",\"rs_rent\",\"rs_op\",\"rs_app\",\"rs_yrs\",\"rs_sell\"].forEach(function(i){var e=document.getElementById(i);if(e)e.addEventListener(\"input\",c);});c();})();<\/script>\n\n\n\n<p>This compares holding against selling today. It does not model what you would earn investing the sale proceeds, nor taxes, depreciation recapture or capital gains, all of which can move the answer. Talk to your CPA before you decide, and <a href=\"https:\/\/buy.daytonproper.com\/owners\/free-rental-analysis\/\">ask us for a rental analysis<\/a> on the actual address.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Keep renting it or sell it? Compare cash flow, loan paydown and equity against what you would net selling today.<\/p>","protected":false},"author":4,"featured_media":0,"parent":913,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"rank_math_title":"","rank_math_description":"","rank_math_focus_keyword":"","footnotes":""},"class_list":["post-1226","page","type-page","status-publish"],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/buy.daytonproper.com\/sw\/wp-json\/wp\/v2\/pages\/1226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buy.daytonproper.com\/sw\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/buy.daytonproper.com\/sw\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/buy.daytonproper.com\/sw\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/buy.daytonproper.com\/sw\/wp-json\/wp\/v2\/comments?post=1226"}],"version-history":[{"count":0,"href":"https:\/\/buy.daytonproper.com\/sw\/wp-json\/wp\/v2\/pages\/1226\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/buy.daytonproper.com\/sw\/wp-json\/wp\/v2\/pages\/913"}],"wp:attachment":[{"href":"https:\/\/buy.daytonproper.com\/sw\/wp-json\/wp\/v2\/media?parent=1226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}