The operator's tool

Sell it, or keep it?

The question every Boston owner eventually faces. Compare what selling puts in your pocket today against what five more years of rent, loan paydown, and appreciation would build — side by side, with your real numbers.

Your numbers

Five-year comparison. Be honest on rent and operating costs.

The property

Market value today

Mortgage balance

Mortgage rate %

Years left on loan

If you sell now

Selling costs % of price

Est. tax on sale ask your CPA

Proceeds reinvested at %/yr — e.g. index funds

If you keep and rent it

Market rent / month

Vacancy %

Operating costs / year

Appreciation %/yr

The read, over five years

Run the numbers

Adjust the inputs and the comparison updates live.

Sell now — wealth in 5 yrs

—

net proceeds today: —

Keep — wealth in 5 yrs

—

equity + five years of cash flow

Monthly cash flow if kept

—

year one, after the mortgage

The 5-year difference

—

Sell now

Sale price minus selling costs—

Minus mortgage payoff and est. tax—

Cash in hand today—

Grown 5 yrs at your reinvestment rate—

Keep and rent

Property value in 5 yrs—

Mortgage balance in 5 yrs—

Equity in 5 yrs—

Cumulative cash flow, 5 yrs—

Wealth position in 5 yrs—

Two things this math can't see: the keep side also earns depreciation and other tax benefits (often worth thousands a year — Chapter 6 of the Field Guide), and its equity is illiquid — you'd pay selling costs later to unlock it. The sell side is clean and done. Close calls deserve a real conversation, not a calculator.

Either answer, we're built for it.

Keep it? Our management arm runs 1,500 doors and can run yours. Sell it? Our brokerage lists it — or makes you a cash offer in 24 hours. One conversation covers both paths, with the real numbers.

Talk through both paths Get a 24-hour cash offer

Prefer to call? (617) 982-0116