Cost to Access Equity

Total estimated cost to convert paper equity into usable cash.

Example Result

Sample Data

$6,160

Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.

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Cost to Access Equity Formula

Current Equity x 8%

$77,000 x 8%

$6,160

What This Means

A sample property priced at $385,000 with $2,850/month rent has a cost to access equity of $6,160. Equity that you cannot access affordably is less valuable than equity you can freely deploy. This metric helps you understand the friction cost of using your equity for further investments, comparing properties where equity is cheap vs. expensive to access.

Where This Value Comes From

Cost to Access Equity is not entered directly — it is calculated from Total Equity Current. See the formula breakdown above and the detailed inputs below.

Calculated From

Cost to Access Equity is calculated using these inputs:

Total Equity Current

Current equity position (property value minus loan balance).

$77,000

Used to Calculate

Cost to Access Equity is used as an input for these calculations:

True Net Equity™

Equity & Wealth

$70,840

Platform Distribution

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Why It Matters

Equity that you cannot access affordably is less valuable than equity you can freely deploy. This metric helps you understand the friction cost of using your equity for further investments, comparing properties where equity is cheap vs. expensive to access.

Detailed Explanation

Cost to Access Equity estimates the total expense of turning your equity position into cash you can redeploy. This includes all refinancing costs — origination fees, appraisal, title work, and closing costs — estimated at 8% of your current equity.