Exit-Route Optimizer

Compare sell vs. rent vs. refinance side-by-side for any investment property.

What This Tool Does

The Exit-Route Optimizer helps you decide what to do with a completed investment property. Enter your property details once, and the tool models three exit strategies simultaneously: sell for immediate profit, rent with a DSCR refinance for cash flow, or cash-out refi to recover capital. Compare immediate capital, monthly income, DSCR qualification, and 5-year wealth creation across all three options.

1Your Property

$
$

Down payment + closing costs + rehab out-of-pocket

$
$

Current monthly loan payment + taxes + insurance

2Sell Scenario

$
7.0%
4%10%
mo
25.0%
0%40%

3Rent & Refinance Scenario

$
7.5%
5%12%
75.0%
50%80%
$
$
5.0%
0%15%
10.0%
0%15%
3.0%
0%10%

Recommended Exit

Sell

Based on immediate capital, annual income, and 5-year wealth

MetricSellRentRefi
Immediate Capital$84,238$42,656$42,656
Monthly Income$0-$216-$216
Annual Income$0-$2,596-$2,596
DSCRN/A1.11x1.11x
5-Year Wealth$84,238$146,541$146,541

Sell Analysis

Sale Price$325,000
Loan Payoff$195,000
Selling Costs$22,750
Carry During Sale$6,600
Capital Gains Tax$16,413
Net Proceeds$84,238
ROI on Cash Invested240.7%

Rent (DSCR Refi) Analysis

DSCR Loan Amount$243,750
Monthly P&I$1,704
DSCR1.11x
Monthly Cash Flow-$216
Cash Recovered via Refi$42,656
Cash Left in Deal$0
Cap Rate5.5%
5-Year Wealth Created$146,541

Cash-Out Refi Analysis

Refi Loan Amount$243,750
Closing Costs$6,094
Cash Back to You$42,656
New Monthly P&I$1,704
DSCR After Refi1.11x
Monthly Cash Flow-$216

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What You'll Need (Inputs)

  • Current property value
  • Total cash invested
  • Existing loan balance
  • Expected sale price and selling costs
  • Monthly rent and operating expenses
  • Refinance terms (LTV, rate)

What You'll Get (Outputs)

  • Side-by-side comparison of all 3 exits
  • Net sale proceeds (after tax)
  • Monthly rental cash flow
  • Cash recovered via refinance
  • DSCR for rent/refi scenarios
  • 5-year wealth projection
  • Recommended exit strategy

Perfect For

Related Loan Program

All Loan Programs

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