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Decision Guides

Sell or Keep Calculator

Put your own numbers side by side: what selling now would leave after costs and the loan payoff, and what keeping the property would bring in or cost each year. Nothing here predicts prices, rents or values, and nothing recommends one choice over the other.

Selling now

What you expect the property to sell for.

Commission, closing and other costs of the sale.

What it takes to pay off any mortgage or lien at the sale.

Keeping it (each year)

Per year. Leave empty if no one will rent it.

Per year.

Per year.

Per year.

Per year. Leave empty if none.

Per year. Leave empty if there is no loan.

Selling now

Estimated proceeds
—Sale price minus selling costs and loan payoff

Keeping it

Yearly costs
—Property tax, insurance, upkeep, HOA dues and loan payments
Estimated yearly cash flow
—Rent minus yearly costs

Enter the amounts marked as needed to see an estimate.

One thing these numbers cannot show

Estimates are for informational purposes only and do not constitute an offer, an appraisal or financial advice. Actual proceeds and costs depend on the sale terms, the loan payoff and your own circumstances. Silver Lining Estate does not give legal, tax or financial advice.

Related guides

Official sources & references

  1. 01Proposition 19California State Board of Equalization

Agency names appear for identification only and do not imply endorsement.