Compare refinance, sell, and hold under the same assumptions.
Compare liquidity and modeled hold, refinance, and sale outcomes under entered assumptions.
Part of the Owner Decision Center
Put sale proceeds, rental cash flow, appreciation, refinance proceeds, and alternative returns on one five- or ten-year table.
Complete the inputs above, then calculate to review the result.
What this covers
- What it answers
- Compare liquidity and modeled hold, refinance, and sale outcomes under entered assumptions.
- Who it is for
- Sellers and landlords alike.
- What you enter
- Estimated property value · Current loan balance · Current interest rate · Current monthly rent · Annual operating expenses · Vacancy · Monthly current debt service · Proposed refinance LTV · Proposed refinance rate · Proposed amortization years
- What it does not cover
- Educational scenario model, not tax, lending, investment, appraisal, or legal advice.
Questions about the Refinance vs. Sell vs. Hold
What does the Refinance vs. Sell vs. Hold do?
Put sale proceeds, rental cash flow, appreciation, refinance proceeds, and alternative returns on one five- or ten-year table.
Is the Refinance vs. Sell vs. Hold free?
Yes. It is free, and you see the result without signing up.
What do I need to enter?
Estimated property value, Current loan balance, Current interest rate, Current monthly rent, Annual operating expenses, Vacancy, Monthly current debt service, Proposed refinance LTV, and a few optional details. Every assumption can be changed.
How is the result calculated?
Sell uses the existing NYC net-proceeds engine and canonical Botway fee. Hold and refinance use entered rent, vacancy, expenses, debt service, appreciation, and refinance terms.
Where does the information come from?
Botway planning assumptions - user override required for property-specific use. Last verified July 16, 2026.
Is this legal, tax, or accounting advice?
No. The result is an estimate for illustration. Check big decisions with your attorney, accountant, or a licensed broker.
Verify the underlying information
Educational scenario model, not tax, lending, investment, appraisal, or legal advice.