Your potential cash

If you live in , your home could pay you:

$265,000

That's your home value minus what you still owe — cash in your pocket in about 3 weeks. No loan. You stay in the same house.

Cash in ~3 weeks You don't move Rent locked in writing Zero debt after
Skip the guessing

Get your exact numbers in one click

Enter your address and we'll instantly pull your real market value and mortgage balance from public records — no estimates.

Run your numbers

Type in your home value and what you still owe. We'll do the rest — HELOC, cash-out refi, and Sell & Stay, side by side.

Your home

$
What Zillow says, roughly. Close enough.
$
Look at your last statement. First mortgage only.
$
We pre-fill with your state's market rate. Edit if you have a number in mind.
Heads up — that's below market for Florida. The typical monthly rent here is about $2,255/mo. A lease priced way under market usually means the company has to claw it back somewhere — shorter terms, rent spikes after year 2, or a forced move-out. Before signing anything (with us or anyone else), ask exactly what rent looks like in year 2 and year 3.
months
1 year
6 mo 1 yr 2 yr 3 yr 4 yr 5 yr
The longer you stay, the better. We lock your rent for the full stay you pick — no surprise hikes. Choose 3 years and your rent stays $2,255/mo for 36 months. Pick 5 years and it's locked for 60.
$
Total balance on everything else secured by the home.

What it costs you today

Florida defaults
These scale with your home's value and your state. As soon as you change the numbers above, these update.
Monthly mortgage payment
$895
Est. on your balance
Yearly taxes + insurance
$8,323
State rate × home value
Monthly HOA
$250
State avg., scaled
Yearly repairs / maint.
$4,100
1% rule on home value
Heads up: these are estimates — state averages applied to your home's value. Real insurance, HOA, and taxes will vary by property. Use them as a ballpark, not a quote.

Your three options

Same house. Same equity. Three very different outcomes.

HELOC

Borrow against the house. Keep the mortgage.
Cash you can access
$183,000
  • Monthly (interest-only)$1,305
  • Estimated rate8.55%
  • Credit checkYes, hard pull
  • You still oweFull balance + draw

Cash-out refi

Replace your mortgage. Take cash out.
Cash at closing (after 2% costs)
$170,000
  • New monthly payment$2,040
  • Estimated rate6.30%
  • Credit checkYes, hard pull
  • New term30 years

Sell & Stay

Cash out 100%. Stay in the house as a renter.
Cash in your pocket
$265,000
  • Monthly rent$2,255
  • Credit checkNone. Ever.
  • Days to close30–45
  • Debt after$0
Get my Sell & Stay offer
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Ready to unlock your free Estimate?

You'll unlock your full Sell & Stay breakdown, a line-by-line ledger, your 3-year savings projection, and a clean PDF you can keep, print, or forward to your spouse.

No credit pull No commitment 30 seconds
Sell & Stay = less stress, more cash in your pocket every month.
Monthly savings
$1,258
vs. your current cost
Year 1 savings
$15,096
before rent escalation

The ledger: today vs. after Sell & Stay

Every line item. What you pay now. What you'd pay as a renter. And the difference that lands in your pocket.

Line item
Today (own)
After (rent)
Difference
Monthly mortgage paymentYour balance amortized at state rate
$895
$0
+$895
Property taxesState rate × your home value
$283
$0 — landlord
+$283
Homeowner's insuranceState rate × your home value
$410
$0 — landlord
+$410
HOAState avg., scaled to your home
$250
$0 — landlord
+$250
Repairs & maintenance1% of home value per year
$342
$0 — landlord
+$342
Monthly rentSell2Rent lease
$0
$2,255
−$2,255
UtilitiesElectricity, water, internet
Same
Same
—
Total monthly cost
$2,180
$2,255
+$1,258/mo saved

Your 3-year projected savings

Cumulative cash saved each month. Rent locked for 12 months, then +3%/yr.
Cumulative savings Break-even line
Today Year 1 Year 2 Year 3
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