Rent it out, or sell it?

Two numbers, side by side: what selling would net you today, and what renting would yield each year. Then an honest list of everything that comparison leaves out - because there are five things it cannot see, and any one of them could change the answer.

This tool needs JavaScript, which is not running right now. The shape of the question: selling gives you a lump sum after commissions, transfer tax, escrow and your loan payoff. Renting gives you an annual cash flow after vacancy, maintenance, management and everything you still pay monthly. Neither number tells you about tax, appreciation, or the work of being a landlord.

Call 619-987-6543 and we will run both sides with real numbers for your property.

If you sold

What it would sell for

Mortgage payoff

Your brokerage (%)

Offered to buyer's brokerage (%)

Escrow fees

Title & owner's policy

If you rented it

Monthly rent

What it would actually let for today, not what you hope.

Vacancy (% of rent)

We do not fill this in. It varies by area, property and how quickly you re-let - and it drives the whole comparison.

Maintenance (% of rent)

Older properties cost more. Your own history is the best guide.

Property management (% of rent)

Enter 0 if you would manage it yourself - but that is work, not free.

What you would still pay monthly

Mortgage payment (P&I)

Property tax

Insurance

Landlord policies usually cost more than owner-occupied ones.

HOA dues

Anything else

Both sides

An estimate from the figures you entered. It is not tax advice and does not calculate what you would owe on a sale - that depends on your basis, improvements and depreciation, and is a question for your tax adviser.

Why there is no verdict at the bottom

A tool that told you "sell" would be predicting appreciation, rent growth, your tax position and what you would do with the proceeds. We cannot source any of those, and a confident answer built on four guesses is worse than no answer - it just hides the guessing.

What we can do is show both sides accurately and name what is missing. The tax question in particular is often the one that decides it: see capital gains when you sell, and Selling with tenants if there is already a tenant in place.

General information, not legal, tax or financial advice. Every property and owner differs - verify your own position before acting on it.

Want us to pressure-test this?

Send it over and we will put real rent comparables and real sale numbers against it. This is a decision worth getting right once rather than revisiting every year.

Your name

Phone

Property address (optional)

How soon are you looking to move?

Who is in the property now?

The figures you entered above are included so we can look at the same numbers you are. We will not pass your details to anyone, and one reply asking us to stop is enough.

Would rather just talk? 619-987-6543.