Comparison Tool
Rent vs Sell vs Owner Finance
Compare all three exit strategies side by side. Enter your property details and see which option maximizes your financial outcome over your chosen time horizon.
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Comparison Horizon
Property Details
💰 Sell Settings
🏠 Rent Settings
📜 Owner Finance Settings
Best 5-Year Strategy
Owner Finance — $225,558
Collect $1,981.16/mo + $256,689 balloon at year 5 while earning 8% interest.
Rent
Monthly income of $606.85 after expenses. Build long-term wealth through appreciation and equity growth.
Monthly NOI
$606.85
Annual NOI
$7,282
5-Yr Est. Total Gain
$101,407
Current Equity
$120,000
Pros
- ✓Monthly passive income
- ✓Property appreciation upside
- ✓Mortgage paydown by tenant
- ✓Tax depreciation benefits
Cons
- ✗Landlord responsibilities
- ✗Vacancy risk
- ✗Repair & maintenance costs
- ✗Management overhead
Sell
Walk away with $96,000 at closing. Invest proceeds for an estimated $134,645 in 5 years.
Net Proceeds at Closing
$96,000
Agent Commission
$18,000
5-Yr Projected (7%)
$134,645
10-Yr Projected (7%)
$188,847
Pros
- ✓$96,000 immediate cash out
- ✓No landlord duties
- ✓Eliminate market risk
- ✓Freedom to reinvest
Cons
- ✗Pay $24,000 in costs
- ✗Lose future appreciation
- ✗Potential capital gains tax
- ✗One-time payout only
Owner Finance
Collect $1,981.16/mo + $256,689 balloon at year 5 while earning 8% interest.
Down Payment Received
$30,000
Monthly Payment
$1,981.16
Balloon at Yr 5
$256,689
5-Yr Total Received
$225,558
Pros
- ✓$1,981.16/mo income stream
- ✓8% interest rate return
- ✓Large balloon in year 5
- ✓Faster sale, flexible terms
Cons
- ✗Buyer default risk
- ✗Property stays as collateral
- ✗Due diligence required
- ✗Legal documents needed
5-Year Total Return Comparison
* Estimates only. Rent includes NOI + estimated appreciation. Sell includes reinvested proceeds at 7% annual return. Owner Finance includes all payments received. Consult a financial advisor.
Not Sure Which Option Is Right for You?
Our agents can walk you through each strategy, explain the tax implications, and help you choose the path that best fits your goals.