What It Does
Models the long-term wealth engines of a single rental property: mortgage amortization plus market appreciation. Enter a home value and LTV; it calculates your Wealth at Maturation (net equity after the loan is paid off and the property has appreciated). Includes a line chart showing home value, loan balance, and net worth diverging over 30 years, plus a full annual amortization schedule. Auto-pulls arv from the Flippin’ Calculator if you have used it.
How to Use It
- Enter the Home Value (your arv or purchase price for the rental).
- Set your Loan-to-Value percentage (e.g., 80% for a conventional refi).
- Read the red banner: that is your projected net equity at loan maturity.
- Click Advanced to adjust interest rate, origination date, and market appreciation rate. See your monthly mortgage payment and current-day wealth.
- Click Show Annual Schedule for the year-by-year amortization table.
When You Need This
- Deciding whether to put on the shelf a flip as a rental instead of selling.
- Showing yourself (or a partner) the 30-year equity story behind a BRRRR hold.
- Comparing forced appreciation (rehab lift) against natural appreciation over time.
- Understanding how LTV and interest rate affect long-term net worth.