🌱 Should I buy a property with all cash or use delayed financing?

Finn

This calculator offers a rigorous, side-by-side comparison of buying a property outright versus using delayed financing to pull cash back out. It does an excellent job of modeling the opportunity cost of your capital, factoring in rental income, carrying costs, and the potential market returns on your invested cash. You'll want to keep in mind that it doesn't account for tax implications—like the mortgage interest deduction or taxes on rental income—which could significantly shift the math in favor of one strategy depending on your tax bracket. Overall, it's a highly detailed and practical tool for real estate investors weighing their financing options.

Reviewed v26.8.0