Strategy Tool
Pre-Construction  ·  Existing Homes
Financial Modeling  ·  Real Estate Strategy

Buyer Decision Model --
Is the purchase worth it?

Model the real financial tradeoff behind any real estate purchase decision. Compare buying against renting and investing, weigh opportunity cost, and identify exactly what it would take to make the math compelling -- for pre-construction or existing homes.

Pre-construction Existing / resale Opportunity cost Rent vs. buy Market timing Deal strength
Pre-construction
--
Run the pre-construction
scenario to see results
Configure both tabs to compare
Run the existing home
scenario to see results
Existing / Resale
--
Who is this purchase for?
ⓘ  Pre-construction mode: Models capital lockup, opportunity cost on your deposit, wait cost, and whether expected appreciation justifies the commitment vs. keeping capital in a HYSA or ETF.
Purchase
Home Price
$750,000
Unit price for this pre-construction purchase.
$300k$10M
Deposit / Down Payment
20%
Capital tied up before or at closing.
5%50%
Price Incentive / Discount
0%
Test what concession changes the math.
0%15%
Timeline
Months Until Completion
36 mo
Time from contract to closing / move-in.
1 mo72 mo
Housing Cost / Month While Waiting
$3,200
What you pay for rent or your current mortgage while waiting for this property to complete. For primary residence buyers this is a real cost of waiting. For investment buyers it may not apply.
$0$8k
Rates & Returns
Mortgage Rate
6.5%
Current or expected rate at closing.
3%10%
Alt. Investment Return / yr
7.0%
What the down payment could earn in a HYSA, ETF, or index fund.
1%15%
Expected Appreciation / yr
3.5%
Use conservative values. Hawaii avg: 3-5% historically.
0%10%
Ownership Costs
HOA + Maintenance / Month
$750
Starts at closing -- does not affect wait cost. Used in the buy vs. invest comparison after move-in.
$0$3k
Tax + Insurance / Month
$650
Starts at closing -- does not affect wait cost. Used in the buy vs. invest comparison after move-in.
$0$3k
Holding Period
5 yr
How long do you plan to own after move-in?
1 yr20 yr
Disclaimer: This tool is provided for informational and educational purposes only. It does not constitute financial, investment, legal, or real estate advice. All outputs are estimates based on user-entered assumptions and simplified financial models. This tool does not account for all variables that affect real estate decisions, including but not limited to mortgage qualification, actual tax obligations, closing costs, HOA escalation, insurance changes, capital gains treatment, or individual financial circumstances. Past market performance does not guarantee future results. Always consult a licensed financial advisor, mortgage professional, and real estate agent before making any real estate or investment decision. By using this tool you acknowledge that the results are for illustrative purposes only.