Oldest known sale anchors the appreciation CAGR. The longer the window, the more reliable the rate.
Drag sliders to explore scenarios — all charts update automatically.
Annual rent escalates at the configured rate. Costs include mortgage (P&I), taxes, insurance, maintenance, CapEx reserve, and HOA.
Month-1 snapshot. Principal paydown is equity-neutral (cash → equity, zero net effect) and is excluded. Return targets benchmarked against bonds/T-bills — RE risk sits between cash and equities.
Appreciation-aware. Price at which monthly NWC (incl. historical CAGR appreciation) meets each target return on equity invested (down + closing costs).
Terminal wealth at exit across a range of appreciation rates
Monte Carlo methodology inspired by dasokol/housing-simulation.