Resources
Reach your potential with improved financial literacy. Explore our library of financial information and check back often! We add more invaluable insights all the time.
Blog
Podcasts
Wealth Through Real Estate
Visualize how your home builds equity over time.
*Historic national avg is ~2-4%
Gross Equity
Net Cash (Realist)
Initial Cash to Close
$0
Down Pmt + ~3% Costs
Total Equity
$0
Value - Loan Balance
Future Home Value
$0
Total ROI
0%
Return on Cash Invested
The Real Cost of Renting vs. Buying
An honest look at where your money goes over time
If You Buy
Historic national avg: 2–4%/yr
If You Rent
Metro avg: 3–5%/yr
Your Position at Year 10
Monthly PITI
$0
P&I + Tax + Ins + PMI
Monthly Rent
$0
At selected year
Leverage
0x
Your cash controls
Home Equity
$0
Value − Loan Balance
Total Extra Paid
$0
Buying costs vs. renting
Total Rent Paid
$0
Cumulative with increases
Net Advantage of Buying
$0
—
Breakeven Year
—
When buying overtakes renting
The Downs Mortgage Group • DMV Housing Analysis
Should I Sell or Rent My Home?
Calculate your true ROI stack — cash flow, principal paydown, and appreciation
Step 1 — Property & Sale Estimate
Washington, DC
Maryland
Virginia
Step 2 — Current Payment Details
My monthly payment includes escrows for property taxes & insurance (PITI)
Include taxes & insurance
From your mortgage statement
Leave blank if none
Step 3 — Rental Income & Growth Assumptions
Staging, repairs, title fees
Year 1 Snapshot — All Returns Based on Liquidation Equity
Your Rental ROI Stack
Layer 1: Cash Flow
Monthly Rent
—
Monthly Expenses
—
Net Monthly Cash
—
Annual Cash Flow
—
Cash-on-Cash Return
—
Annual cash / Liquidation Equity
Layer 2: + Principal
Monthly Principal
—
Annual Principal
—
Cash + Principal
—
Return w/ Principal
—
Adding forced savings to the stack
Layer 3: + Appreciation
Annual Home Gain
—
Annual Rent Growth
—
Combined Gain
—
Total Stacked ROI
—
Full annual return on trapped equity
Opportunity Cost — If You Sell & Deploy the Equity Instead
Lower New Mortgage Payment
—
Applying proceeds at 6.5% rate
S&P 500 (10-yr Avg)
—
10% return on equity in year 1
High-Yield Savings
—
~4.5% with zero landlord risk