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NYC Sell or Hold
See which scenario nets you the most after all costs.
Selling Prices
Sell Now
$
Year 1
$
Year 2
$
Year 3
$
Your Property
Original Purchase Price
$
Mortgage Balance at Sale
Current Balance
$
Interest Rate
%
Months Remaining
mo
Year 1
$
Year 2
$
Year 3
$
Fill in Rate + Months Remaining to auto-calculate, or enter manually.
Monthly Cash Flow
Rent Received
$
Total Expenses
mortgage + HOA + tax + insurance
$
Vacant Months / Year
months not rented, expenses still apply
mo
Selling Costs
Broker Commission
%
Flip Tax
%
Attorney Fees
$
Seller Concessions
upfront buyer credits at closing
$
NYC & NYS transfer taxes are calculated automatically.
Assessments
Monthly charges over a fixed term. Payments reduce your net during the hold period; the remaining balance can be offered to the buyer as a concession at closing.
Tax & Assumptions
Capital Gains Rate
combined fed + NY state
%
Primary Residence?
Unlocks $250K / $500K exclusion
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Enter your selling prices above to see your scenarios.