Cash vs mortgage — side by side.
Compare the maximum cash offer and the financed offer ceiling for the same property, and see which buying method lets you pay more.
Your answer updates live as you type. Start with the rent — the rest has sensible defaults you can expand to fine-tune.
Property & income
1–4 unit residential income — duplex, triplex, fourplex all qualify for ordinary financing. 5+ is commercial multifamily (different rules).
Gross monthly rent. Tip: our Rent-Range Finder estimates this from real closed leases.
How the money flows
From the rent down to your two max offers. Tap any step to dig into it.
Your cash flow goal
Drag to set what you want this deal to put in your pocket each month. Your offer below responds live.
To pocket $100/mo, pay up to $228k with cash, or $229k with a mortgage.
All-Cash Purchase
No mortgage. No lender test.
A 7.5% return caps your price at $228,305.
*A cash buyer's $0 breakeven is an absurd price (taxes alone eat the rent). Your 7.5% return floor caps it at a sane offer — so you pocket more than your goal.
Financed Purchase
With a mortgage + lender test.
We use the lower of the two.
*The lender cap pushed your price below breakeven, so you pocket more than your goal.
It's about the same either way — both land within ~2% ($228k cash vs $229k financed).
The seesaw. Both curves slope downward — every extra dollar of monthly cash flow you demand lowers the most you can pay. Price and profit trade against each other, and as the buyer youset that trade — not the seller's list price.
Tax rules current as of 2025-09-01 (Martin County PA). Estimate only. Estimate only — not an appraisal, a tax opinion, or a loan commitment. SFRM Deal Analyzer v1.0.0.
Important disclosures
The Deal Analyzer provides a broker-reviewed investment estimate for informational purposes only. It is not an appraisal, a tax opinion, or a loan commitment, and is not a substitute for professional advice.
Florida property-tax, insurance, and lender figures are estimates that vary by district, property, and program — confirm them with the Martin County Property Appraiser, a licensed insurer, and your lender.