2024 Comparative Investment Analysis

Real Estate Reinvest + Supplemental Investment

Sell a house for $750K, pay off the $270K mortgage, and buy a new house for $950K using the equity. The new $470K mortgage has a 6.378% interest rate. Also, invest $3182 monthly at 20% APR. Assume 7% annual home appreciation.

Minimal Down, Max Invest

Sell a house for $750K, pay off the $270K mortgage, and buy a new house for $950K with a minimum down payment. The new $807,500 mortgage has an 8.15% interest rate. Invest the remaining $337,500 at 20% APR with no further contributions. Assume 7% annual home appreciation.

Steady Growth & Aggressive Investment

Keep the current home valued at $750K with a $2100 monthly mortgage payment. Assume 7% annual home appreciation. Invest $5345 monthly at 20% APR. After 20 years, roll the $2100 mortgage payment into the investment, contributing $7445 monthly for the remaining 10 years.

Refinance & Reinvest

Keep the current home valued at $750K and do a maximum cash-out refinance with a 6.215% interest rate. The new $560K mortgage has a monthly payment of $4157. Invest $3288 monthly at 20% APR. Assume 7% annual home appreciation.

HELOC & Reinvest

Keep the current home valued at $750K and do a maximum home equity loan with a 8.9% interest rate. The new $254K mortgage has a monthly payment of $2033. Invest $3312 monthly at 20% APR. Assume 7% annual home appreciation.