Calculate holding costs for real estate investments and properties
Enter monthly mortgage, insurance, taxes, utilities, and number of months. The calculator totals all carrying costs during the hold period.
Holding a flip for 6 months with $2,000 mortgage, $300 insurance, $400 taxes, $200 utilities = $17,400 in holding costs.
All expenses incurred while owning property: mortgage, taxes, insurance, utilities, maintenance, HOA fees. Calculate monthly and multiply by hold period.
Budget for 6-9 months minimum even if you plan 3-4 months. Unexpected delays are common. Holding costs increase with each extra month.
Cash eliminates mortgage interest but ties up capital. Often better to use leverage if you can earn higher returns on your capital elsewhere.