Rental deep-dive

Per-property cashflow, wealth built per year, depreciation, and what selling would net.

Plan changes — buying a house, selling a rental, student loans, one-time or recurring items — live in the timeline.

809 Randall (Gadsden)

$81,451 equity
Market value
$305,238
Mortgage balance
$223,787
Monthly rent
$2,000
Mortgage payment
-$1,413
Monthly cashflow
$587
Depreciation (tax)
$9,636/yr
Wealth built this year
Cashflow$7,038Equity gain (paydown + appreciation)$15,038Total wealth added / yr$22,076
Equity now
$81,451
In 5 yrs
$161,751
In 10 yrs
$246,023
If you sold today (after tax)
Sale price$305,238Selling expenses−$21,367Mortgage payoff−$223,787Depreciation recapture−$0Capital-gains tax−$0Net to you$60,085

A one-time net of $60,085 versus $22,076/yr of wealth if you keep it. Edit basis, depreciation & rates on this property's timeline event.

536 Overland

$44,254 equity
Market value
$380,530
Mortgage balance
$336,277
Monthly rent
$2,535
Mortgage payment
-$2,362
Monthly cashflow
$173
Depreciation (tax)
$12,945/yr
Wealth built this year
Cashflow$2,072Equity gain (paydown + appreciation)$22,296Total wealth added / yr$24,368
Equity now
$44,254
In 5 yrs
$163,465
In 10 yrs
$288,937
If you sold today (after tax)
Sale price$380,530Selling expenses−$26,637Mortgage payoff−$336,277Depreciation recapture−$0Capital-gains tax−$0Net to you$17,617

A one-time net of $17,617 versus $24,368/yr of wealth if you keep it. Edit basis, depreciation & rates on this property's timeline event.

Cashflow is rent minus the mortgage payment (incl. escrow); it doesn't subtract a separate vacancy/reserve, so treat it as a slight over-estimate. Flip "Sell Gadsden" above to see the whole-picture effect on net worth.