Refinance vs Sell vs Roll-In Comparison Calculator

Compare three exit strategies for your existing property

Calculator Inputs

Current Fair Market Value ($)

Current Debt Balance ($)

Current Interest Rate (%)

Remaining Amortization (years)

Current Annual NOI ($)

NOI Growth Rate (% annual)

Comparison Hold Period (years)

Comparison Results

Your Priority:

Cash TodayCashflowLong-term GrowthTax Deferral

Sell

Cash Today:$295,000

Annual Cashflow:$0

Value at Year 10:$396,455

Illustrative Tax:$45,000

Refinance

BEST

Cash Today:$130,000

Annual Cashflow:$7,387

Equity at Year 10:$789,483

Tax Status:Deferred

Roll-In

Cash Today:$0

Units Received:370,000

Annual Distributions:$25,900

Value at Year 10:

$602,691

Base: 5.00%

Conservative: $497,249

Tax Status:Deferred

Note: Based on your priority of growth, the Refinance scenario appears most favorable.

Important Disclaimer

This calculator provides illustrative projections only and should not be considered financial, tax, or legal advice. Actual results may vary significantly based on market conditions, property performance, interest rates, tax law changes, and individual circumstances.

Tax calculations are simplified and illustrative only. Actual tax implications depend on many factors including your specific tax situation, jurisdiction, holding structure, and applicable tax laws. The 50% capital gains inclusion rate and other assumptions may not apply to your situation.

Each exit strategy involves significant complexity and risk. Refinancing is subject to lender approval and market conditions. Roll-in transactions involve legal and structural considerations. Distribution rates and growth projections are not guaranteed. Always consult with qualified tax advisors, legal counsel, and financial professionals before making investment decisions.

Need Help Evaluating Your Options?

Our team can provide detailed analysis and guidance on the best exit strategy for your property