Cost to Access Equity
Total estimated cost to convert paper equity into usable cash.
Example Result
Sample DataBased on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
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View PricingCost to Access Equity Formula
Current Equity x 8%
What This Means
A sample property priced at $385,000 with $2,850/month rent has a cost to access equity of $36,257 at Purchase (Month 0). 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, Depreciation Recapture Tax Rate, Capital Gains Tax Rate, Real Estate Commission, and Closing Costs at Sale. See the formula breakdown above and the detailed inputs below.
Inputs That Determine Cost to Access Equity
Calculations That Use Cost to Access Equity
Platform Distribution
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Unlock Rental Property CalculatorWhy 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.
Example
Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
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