Here’s Your Home Strategy Result
Based on your answers, here’s what likely makes the most sense.
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Your Quick Win Recap
- 📊 Monthly Impact (+/–)
Instant view of how your payment changes month-to-month. - 💰 12-Month Cash/Equity Delta
See the net effect on your savings or equity growth in the first year. - 🚦 Risk Flag Status (Green / Yellow / Red)
A simple traffic-light signal for whether your numbers look strong, borderline, or risky.
What This Means for You
🏡 SELL
Your numbers suggest that selling could put you in a strong position. The equity capture shows how much cash you’d walk away with after closing costs, while the time-on-market estimate helps you plan your timeline. In simple terms: selling now means converting your home into cash you can use for your next purchase or investment. If the market stays steady, acting sooner often reduces risk.
🏠 RENT
Renting may be a smart move based on your cash flow projection. The breakeven analysis shows how long it will take to cover your setup costs, and the vacancy buffer helps you prepare for empty months. In plain terms: if your numbers stay positive, renting gives you steady income while your property keeps building equity — as long as you’re comfortable managing tenants and unexpected costs.
🔄 REFI
Refinancing could lower your monthly payment and help you manage your budget more effectively. The breakeven months show how long it takes for your savings to outweigh the closing costs, and the term effect helps you see if you’ll shorten or extend your mortgage timeline. In plain terms: refinancing can free up cash now, but you’ll want to weigh the total interest cost versus the monthly relief to decide if it’s the right move.
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⭐ 4.5/5 Rating
“Refi saved $286/mo and moved us to a 20-yr term.” — Kate H., Chicago Southland Homeowner
❓ Can I change answers?
Yes. You can revise inputs and re-run as many scenarios as you want.
❓ Will using this tool affect my credit or loan applications?
No. Running the calculator is completely safe. It does not check your credit or impact your eligibility in any way.
We do business in accordance with the Federal Fair Housing Act. Equal Housing Opportunity. Information is deemed reliable but not guaranteed. Subject to errors, omissions, change of price, prior sale, or withdrawal.
Not intended to solicit those already represented by a real estate broker. REALTOR® is a registered collective membership mark identifying real estate professionals who are members of the National Association of REALTORS®.
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