Leverage Strategy Calculator

Compare 3 real estate leverage strategies side-by-side: keep, cash-out + buy, or cash-out + invest.

Runs entirely in your browser

Existing Property

$
$
$
$
%

Cash-Out Refinance

$
$
%
yr

Net cash after closing: $192,000

New Property (Strategy B)

$
%
%
yr
$
$

Market (Strategy C)

%

Status Quo

Keep current loan
Monthly P+I$1,520
Monthly Cash Flow$780
Cash-on-Cashn/a
Break-Evenn/a
Total Debt$300,000
Leverage Ratio37.5%
ComplexityLow
5-Year Net Worth
$676,675
Highest 5yr Net Worth

Refi + Buy

Cash-out to fund rental #2
Monthly P+I$6,557
Monthly Cash Flow-$2,357
Cash-on-Cash-17.9%
Break-Even8000 mo
Total Debt$950,000
Leverage Ratio67.9%
ComplexityHigh
5-Year Net Worth
$765,088

Refi + Invest

Cash-out into market
Monthly P+I$3,411
Monthly Cash Flow$169
Cash-on-Cash25.4%
Break-Even8000 mo
Total Debt$500,000
Leverage Ratio62.5%
ComplexityVery Low
5-Year Net Worth
$760,366

Strategy Comparison

5-year net worth is divided by 100 so both bars fit the same axis. Hover to see absolute USD values.

Caveats. Appreciation assumed 3.5%/yr. Vacancy, taxes, and depreciation are lumped into "monthly expenses" — tune them carefully. Market returns are nominal; taxes on gains and rental income are not modeled. Treat this as directional, not tax advice.
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