This tool helps answer the questions:
  1. Should I sell my house, paying the rent, or not sell it? What is the cost and benefit difference at the end?
To Keep the House clear
Current property value
Original mortgage amount
Original loan term (years)
Mortgage rate
Loan start date
Monthly loan payment
Current loan balance
Monthly property income such as Airbnb, rent revenue.
Property value growth
Monthly mortgage insurance (PMI)
Property tax of your city
To Sell and Pay Rent
Monthly rent & fee The rent, pet fee, rental utilities, renters insurance.
Extra saving by renting The cost that you don't need to pay when renting, such as HOA, home maintenance, utilities, homeowner's insurance. Mortage payment, mortgage insurance (PMI), and property tax have been included above so don't add those here to avoid double count.
Rent inflation
Investment yield the expected return of investment when you invest the proceeds of selling the home.
Other Inputs
Selling cost Normally the commission you need to pay to seller's agent and buyer's agent.
Your highest tax rate (for elective deductions)
Keep now, sell after years at
Keeper's gain (+) or loss (-)
to sell
never sell
Keeper's wealth
Immediate seller's wealth
Wealth difference