Waiting feels safe — but if rates drop and prices rise, waiting can cost more than buying at the wrong time. Plug in your guess (or worst case) for next year, and see what happens.
The two biggest variables here — what the rate is in 12 months and what the price is — are unknowable. The point of this calculator isn't to predict; it's to show you how big the move would have to be. If the rate has to drop to 15.00% in 12 months for waiting to pay off, that's the bar your forecast has to clear.
Two things can change while you wait: price and rate. A higher price means more down payment and a bigger loan. A lower rate means a smaller monthly payment for the same loan. They push in opposite directions, and which one wins depends on the size of the moves.
We compare your monthly PITI today against your monthly PITI in N months, plus the total rent paid in the meantime. That last number is the part most "wait for rates to drop" advice ignores — and it's often the biggest single cost of waiting.
Important honesty: nobody can forecast rates. The point of this tool isn't to predict — it's to show you how big the move has to be for waiting to actually pay off.
Can you afford it? Should you wait? What would you actually walk away with? Fundamento answers the questions that decide a purchase — with your numbers, in the language you think in. Born inside a real-estate investment practice. Free to start.¿Te alcanza? ¿Conviene esperar? ¿Cuánto te quedaría de verdad? Fundamento responde las preguntas que definen una compra — con tus números, en el idioma en que piensas. Nacido dentro de una firma de inversión inmobiliaria. Empieza gratis.
Built by the team behind hundreds of real-estate projects across dozens of countries — billions advised or executed over nearly two decades.Creado por el equipo detrás de cientos de proyectos inmobiliarios en decenas de países — miles de millones asesorados o ejecutados durante casi dos décadas.
Every tool answers the same thing — should you act, and on what evidence — with source-cited math, not opinion.Cada herramienta responde lo mismo — si debes actuar, y con qué evidencia — con matemática citada, no opinión.
Five calculators — affordability, sell & net, buy-now-vs-wait, investor strategy fit, and tax strategy — tied to your figures.Cinco calculadoras — capacidad de compra, vender y recibir neto, comprar ahora o esperar, estrategia de inversionista y estrategia fiscal — atadas a tus cifras.
Free & upGratis y másAn institutional v4.0 framework: diagnostic, capital structure, lender negotiation, tenant relief, and recovery — applied to your position.Un marco institucional v4.0: diagnóstico, estructura de capital, negociación con prestamistas, alivio a inquilinos y recuperación — aplicado a tu posición.
PremierThirteen asset classes scored against twelve disruption vectors, projected through 2035 — so allocation rests on evidence.Trece clases de activo evaluadas contra doce vectores de disrupción, proyectadas hasta 2035 — para que la asignación descanse en evidencia.
13 × 1213 × 12More than 70 topics and a 54-term glossary, written in plain English and plain Spanish — cross-referenced and searchable.Más de 70 temas y un glosario de 54 términos, en inglés y español sencillos — referenciados y buscables.
FreeGratisEvery page exists in English and Spanish as parallel originals — not a translation bolted on. Switch at any moment without losing state.Cada página existe en inglés y español como originales paralelos — no una traducción añadida. Cambia en cualquier momento sin perder tu lugar.
EN · ESFor $25M+ portfolios: a named senior advisor, quarterly written deliverables, curated co-investment, and cross-border tax architecture.Para portafolios de $25M+: un asesor senior nombrado, entregables trimestrales, co-inversión curada y arquitectura fiscal transfronteriza.
Family OfficeNot dashboards for their own sake. Each view carries a single, defensible insight — modeled on your numbers and cited to its source.No tableros por sí mismos. Cada vista carga una sola conclusión defendible — modelada con tus números y citada a su fuente.
Guided allocation vs. market benchmark — one highlighted series, one outcome.Asignación guiada vs. referencia de mercado — una serie destacada, un resultado.
Capital deployment dips before it compounds. We model the trough — so the hold period is a decision, not a hope.El despliegue de capital baja antes de capitalizar. Modelamos el valle — para que el período de tenencia sea una decisión, no una esperanza.
Start free. The affordability and buy-vs-wait calculators show the full cost of a decision — taxes, insurance, rate paths — in plain language.Empieza gratis. Las calculadoras de capacidad y de comprar-o-esperar muestran el costo completo de una decisión — impuestos, seguros, trayectorias de tasas — en lenguaje claro.
Start free →Empieza gratis →Pro and Premier add deal evaluation, 1031-vs-OZ tax modeling, cost-segregation ROI, and sponsor due diligence — the analysis that protects a return.Pro y Premier añaden evaluación de operaciones, modelado fiscal 1031-vs-OZ, ROI de segregación de costos y debida diligencia de sponsors — el análisis que protege un retorno.
Compare Pro & Premier →Compara Pro y Premier →Family Office is service-led: a named advisor in your Investment Committee, quarterly written reviews, and cross-border structuring across jurisdictions.Family Office es liderado por servicio: un asesor nombrado en tu Comité de Inversión, revisiones trimestrales escritas y estructuración transfronteriza entre jurisdicciones.
Explore Family Office →Explora Family Office →An advisory tier for SFOs, MFOs, and multi-generational principals. A quarterly strategic review with a named senior advisor. Curated co-investment access. Cross-border tax architecture.Un nivel de asesoría para SFOs, MFOs y principales multi-generacionales. Una revisión estratégica trimestral con un asesor senior nombrado. Acceso a co-inversiones curadas. Arquitectura fiscal transfronteriza.
Real estate,on solid foundations.Bienes raíces,sobre fundamentos sólidos.
From a first home to a $300M portfolio — one analytical standard, in two languages.Desde una primera casa hasta un portafolio de $300M — un solo estándar analítico, en dos idiomas.
We compute three numbers: what a lender will approve, what's actually comfortable at your real cash flow, and what breaks if rates jump to 7%. The gap between them is your margin of safety.
Lenders look at two ratios. The front-end ratio is your monthly housing payment divided by gross monthly income — they want it under about 28%. The back-end ratio is the same number plus all your other monthly debt — they want that under about 36% (sometimes stretched to 43%).
We compute the monthly mortgage payment using the standard amortization formula, then add property tax, insurance, HOA, and PMI (if your down payment is under 20%). That's "PITI" — Principal, Interest, Taxes, Insurance — the number that actually has to clear your bank account every month.
The stress test re-runs the same math at a higher rate. If the stress-tested PITI eats more than 35–40% of your take-home, you're buying at the edge. A rate jump or a single bad month becomes existential.
Three scenarios side by side: list with an agent, sell yourself (FSBO), or take a cash offer. The headline price isn't the number that matters — what hits your bank account is.
The order is always the same: start at sale price, subtract every cost, then pay off the mortgage, then pay tax on the gain.
The primary-residence exclusion in the US (IRC §121) shields up to $250,000 of gain if you're single, $500,000 if married filing jointly — but only if you've owned and lived in the home for at least 2 of the past 5 years. Everything above that is taxed as long-term capital gain (15% or 20% federal for most people, plus state).
FSBO saves the commission (~3%) but typically nets 5–10% less on price — most sellers don't have the negotiating leverage agents do. Cash-buyer offers ("we buy houses") are fast but you pay for the speed with a 10–20% discount. The calculator shows all three so you can weigh dollars against time and hassle.
Waiting feels safe — but if rates drop and prices rise, waiting can cost more than buying at the wrong time. Plug in your guess (or worst case) for next year, and see what happens.
Two things can change while you wait: price and rate. A higher price means more down payment and a bigger loan. A lower rate means a smaller monthly payment for the same loan. They push in opposite directions, and which one wins depends on the size of the moves.
We compare your monthly PITI today against your monthly PITI in N months, plus the total rent paid in the meantime. That last number is the part most "wait for rates to drop" advice ignores — and it's often the biggest single cost of waiting.
Important honesty: nobody can forecast rates. The point of this tool isn't to predict — it's to show you how big the move has to be for waiting to actually pay off.
There are eight common strategies. Most education content tells you about all of them. We score them against your capital, your time, your tax situation, and your appetite for hassle — and recommend one.
REIT ETFs (VNQ, SCHH). Buy shares like stocks. Real-estate exposure in any retirement account, no minimums, fully liquid. Best for: anyone starting out, or anyone who doesn't want a second job.
Crowdfunding (Fundrise, Arrived). $10–$100 minimums; access to private real estate without accreditation. Returns lock up for 3–7 years. Best for: small dollar amounts, want above-public-REIT returns, can live without the liquidity.
Turnkey rental. Buy an already-renovated, already-tenanted single-family rental, usually out of state. Property manager handles operations. Best for: $50K+ deployable, want ownership tax benefits but not operations.
Local single-family rental. Buy in a market you know, screen tenants yourself, manage repairs. Hardest work; best information edge; full tax benefits. Best for: handy, local, time-rich.
House hack. Buy a 2–4 unit property with low-down owner-occupied financing, live in one unit, rent the others. Subsidized housing + landlord experience. Best for: under 35, no kids yet, willing to share a building with tenants.
BRRRR (buy, rehab, rent, refinance, repeat). Buy a distressed property, fix it, rent it, refinance to pull cash out, do it again. High-skill, high-return, high-risk. Best for: construction-fluent investors with reserves.
Short-term rental (Airbnb). 1.5–3× the gross rent of long-term, but higher costs, higher vacancy, regulatory risk. Many cities banning or restricting. Best for: vacation markets with stable regulation, hospitality temperament.
Syndication LP (accredited). Invest passively alongside a sponsor on a $5M–$50M property. $25K–$100K typical minimum. Sponsor risk is everything — vet the sponsor like you'd vet a CEO. Best for: accredited investors who want institutional-quality deals without operating.
You're selling an appreciated investment property. Three paths: pay the tax now, 1031-exchange into another property, or roll the gain into a Qualified Opportunity Fund. Same numbers, three very different outcomes.
When you sell an investment property, two things get taxed. Capital gain is the price above your basis — taxed at long-term rates (15% or 20% federal, plus state, plus 3.8% NIIT if you're high-earning). Depreciation recapture is the depreciation you wrote off over the years — it comes back as ordinary income, capped at 25% federal.
A 1031 exchange (IRC §1031) defers all of that tax if you reinvest the entire proceeds into "like-kind" real estate. Strict timing: 45 days to identify the next property; 180 days to close. Most serious rental investors trade up through 1031s for decades, then hold until death — at which point heirs get a stepped-up basis and the embedded gain disappears entirely.
A Qualified Opportunity Fund defers the original gain until 2026 (now extended/permanent under the OBBB Act of July 2025), and — this is the powerful part — any appreciation on the QOF itself is tax-free if you hold for 10+ years. The first new round of QOZ designations under the OBBB takes effect Jan 1, 2027.
These are real money decisions. Use this to size the choice and narrow the conversation — then run the final structure past a CPA and a real estate attorney before you sign anything.
Per a January 2026 survey of 1,000 U.S. homeowners (Kin/Pollfish): 93% are concerned about climate-related damage in the next 2–3 years. 49% say they may move because of climate risk. 31% are not confident they'll maintain adequate insurance through 2026. Premiums rose 8.5% in 2025 on top of 18% in 2024.
Get a quote from at least three carriers, not just one. If only the state insurer of last resort (Florida Citizens, California FAIR Plan) will write it, you have an insurability problem, not a coverage problem. Ask your current carrier whether they're still writing new policies in this ZIP.
National average new-policy premiums rose 8.5% in 2025 after 18% in 2024 (Matic 2026 Predictions). In Florida the average is now ~4× the national average. Model the next decade at +6–10%/yr in higher-risk markets — that's the difference between cash flow and negative carry on a rental.
Flood (FEMA flood maps + ClimateCheck), wildfire (Verisk wildfire score; Wood Mackenzie), hurricane (NOAA storm-surge maps), wind, hail, severe convective storm. Don't trust a single source — they disagree at the property level.
Buyers in 2034 will price insurance into offers more than today's buyers do. Properties in tightening markets sell at a widening discount. Coastal Florida, parts of California wildfire zones, hurricane-vulnerable Gulf Coast — all already showing this.
Hurricane shutters, impact windows, roof-tie-downs, defensible space (wildfire), foundation elevation, backup power — these can lower premiums 5–25% and protect resale. If retrofit cost exceeds 10–15% of value with marginal premium benefit, that's a relocate signal.
Every real estate calculator on the internet assumes you know what "cap rate" means. Here's the version that doesn't.
Sixty-plus answers to questions the calculators don't cover — from "what's a REIT" to "how do I underwrite a syndication sponsor" to "what does the 2026 debt wall mean for me." Search any term, or browse by category.
Don't know where to start? Pick the path that matches your situation. Each one is a sequence of 6–8 cards and calculators in the right order — from the screening question through the specific mechanics.
Real estate is no longer a single asset class — it's thirteen distinct economic exposures. The cross-sectional dispersion of returns within real estate now regularly exceeds the dispersion across geographies. What you own matters more than where or when.
Each class is scored from –5 to +5 across twelve disruption vectors (AI demand, demographics, supply, climate/insurance, regulation, and eight others). The composite below is the weighted average.
Free for first-time buyers and casual readers. Pro for serious individual investors. Premier for accredited investors. White-glove advisory for family offices and RIAs. Enterprise for co-investment platforms and white-label.
$0forever
What this is for: answering "can I afford this?" before involving a CPA — and not blocking you behind a paywall to do it.
$29/month
or $290/year · founding members $99/year lifetime
Worked example: on the $900K sale in our tax tool’s example, the 1031 path preserves $119,760 of deferred tax — run your own numbers free.
$99/month
or $990/year · founding members $890/year · accredited only
Typical value: $200K–$2M of tax optimization realized over five years, plus a Crisis-Playbook posture you can act on when the market turns.
$25K/year baseline
$50K–$100K premium · per-engagement also available
Why this tier exists: decisions on $25M+ portfolios compound across generations — one mis-structured 1031 or delayed lender conversation costs more than a decade of the retainer. The team advising them here is the one the region's families already hire.
Custom
white-label, syndication platform, sponsor capital-raise services
Build-vs-buy: $50K–$500K per year for the full Fundamento stack delivered under your brand, vs. an in-house engineering build of $1M+ and 18 months to first revenue.
The free tier is real and meant to be useful — not a bait-and-switch. We make money on Pro, Premier, Family Office, and Enterprise. Free users help us with SEO, refer paying users, and sometimes graduate into Pro themselves. The free tier alone is the most personalized free real-estate decision tool we've seen.
SEC definition: $1M+ net worth excluding primary residence, OR $200K+ income (single) / $300K+ joint for the past two years. Required because we surface specific syndication and Opportunity Fund deals that are only offered to accredited investors under Reg D 506(c).
For families with $25M+ of real estate exposure, yes — a single bad 1031 decision, a mis-structured entity, or a missed cost-seg study typically costs more than a decade of the retainer. The tier is also intentionally service-led (not just software): a named senior advisor, quarterly written deliverables, and IC participation. Most clients renew above 90% in industry benchmarks.
The platform interface is available in English and Spanish. We have native fluency in Mexican fideicomiso structuring, Dominican CONFOTUR designations, and the FIRPTA / specialty foreign-buyer lending market that LatAm UHNW investors hit when buying US property. For most of our clients, the cross-border angle is why they engage us in the first place.
We don't originate. We refer to vetted partners and share revenue with them. You typically get better rates and better service than you would going direct, because the partner is paid only on outcomes and we hold them accountable to our clients' experience.
Fundamento was built by the team of an Americas-focused real-estate investment practice — advisory and private-equity work spanning hundreds of projects and dozens of countries over nearly two decades, recognized by an international real-estate awards program. The practice’s client work is private, so its name doesn’t appear here — a discretion its families would recognize. Fundamento, LLC is an independent software and research company; it is not an investment adviser, broker-dealer, or fund, and nothing on this platform is investment advice or an offer of securities. There is no spokesperson by design — the method is the product.
Two clicks. We don't make you call. Founding-member pricing is locked in for life as long as you don't cancel.
Fundamento began inside a working real-estate practice — one that, for nearly two decades, has advised and invested alongside corporations, institutions, and family offices across the Americas: hundreds of projects, dozens of countries, billions of dollars advised or executed, work recognized among the region’s leading real-estate practices by an international awards program.
You won’t find the practice’s name here. Its client work is private by design, and Fundamento keeps it that way — a discretion its families would recognize. What you will find is what that work taught us: the analysis that protects institutional capital — stress tests, net-proceeds math, tax paths, honest caveats — almost never reaches the person buying a first home. The tools existed. The access didn’t.
Fundamento is that discipline, productized: the same standard of analysis, pointed at your decision, in English and Spanish, starting free. No spokesperson, no personality — a method. Your numbers are the protagonist here.
Fundamento, LLC is an independent software and research company. It is not an investment adviser, broker-dealer, or fund, and nothing on Fundamento constitutes investment advice or an offer of securities.
Fundamento nació dentro de una práctica inmobiliaria en ejercicio — una que, durante casi dos décadas, ha asesorado e invertido junto a corporaciones, instituciones y family offices en las Américas: cientos de proyectos, decenas de países, miles de millones de dólares asesorados o ejecutados, un trabajo reconocido entre las prácticas inmobiliarias líderes de la región por un programa internacional de premios.
Aquí no encontrarás el nombre de la práctica. Su trabajo con clientes es privado por diseño, y Fundamento lo mantiene así — una discreción que sus familias reconocerían. Lo que sí encontrarás es lo que ese trabajo nos enseñó: el análisis que protege al capital institucional —pruebas de estrés, matemática de venta neta, rutas fiscales, advertencias honestas— casi nunca llega a quien compra su primera casa. Las herramientas existían. El acceso no.
Fundamento es esa disciplina, convertida en producto: el mismo estándar de análisis, apuntado a tu decisión, en inglés y español, desde gratis. Sin vocero y sin personalidades — un método. Aquí los protagonistas son tus números.
Fundamento, LLC es una empresa independiente de software e investigación. No es asesor de inversiones, corredor de valores ni fondo, y nada en Fundamento constituye asesoría de inversión ni una oferta de valores.
Decisions at $25M+ of real estate exposure are not "should I subscribe to a tool" decisions — they're "who is the small team I trust to think alongside my IC for the next decade" decisions. That is what this tier is.
We model the trough — capital calls before distributions — so the hold period is a decision the IC makes with eyes open, not a number on a deck.Modelamos el valle — las llamadas de capital antes de las distribuciones — para que el período de tenencia sea una decisión informada del Comité, no un número en una presentación.
A written deliverable, customized to your portfolio, your jurisdictions, your goals. Depth equivalent to the comprehensive family-office playbook — not generic content with your name on the cover.
One in-person (or video) full-day session with the family principal and investment committee. We bring the asset-class disruption scorecard, the cycle read, and the recommended reallocations — calibrated to your numbers.
A senior advisor attends 1–2 IC meetings per year as observer or formal member. Available between meetings for diagnostic and structuring questions.
Priority access to platform-curated deals — 1031 replacements, syndications, branded residential, Opportunity Fund vintages — vetted before they reach the wider Premier base.
Entity structure review, cross-border tax efficiency, estate-planning integration. Coordinated with your existing CPA and attorney — we work with them, not around them.
During downturns or distress events, your dedicated advisor is on call. Diagnostic-first thinking, capital-structure analysis, lender negotiation, tenant relief structuring — the v4.0 playbook applied to your specific position.
$25,000/year
For SFOs & MFOs with up to $50M real estate exposure
$50–100K/year
Full-service engagement, larger portfolios, multi-jurisdiction
$10–50K
Strategic review · tax audit · crisis engagement · one-time deliverable
By consultation
Co-investment and capital-raise structures are discussed with qualified clients.
Most engagements start with a 30-minute exploratory call between the family principal, an existing advisor (CPA or attorney), and one of our senior advisors. We discuss what you own, what you're trying to accomplish, and whether what we offer is a fit. No pitch deck.
Pick a time directly on our calendar. If you'd rather give us context in writing first, use the form below.
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Currently accepting 10 new family-office engagements in 2026. Founding clients lock baseline pricing for 5 years.
Upload your existing real estate holdings. We compute portfolio-level KPIs, identify concentration risks (asset class, geography, lender), and surface hold / sell / refinance recommendations on each line item.
The diagnostic, capital-structure framework, tenant relief structures, lender negotiation playbook, valuation methodology, and recovery framework from the Fundamento v4.0 institutional playbook — accessible to Premier and Family Office members during downturns.
Curated co-investment opportunities — 1031 replacements, syndications, branded residential vintages, Opportunity Fund deals — vetted by the platform before reaching the wider Premier base. Family Office members get priority access.
Longer-form pieces from Fundamento Research — opinionated, sourced, and aimed at decisions, not just description. Subscribe to alerts for the topics you care about.
Tracked items relevant to your real estate decisions — rates, regulation, market data releases, insurance and climate, distress, capital flows. Filter by topic; subscribe to alerts on the ones that matter to you.
New posts and news items since your last visit appear below. Subscribe to specific topics to filter the firehose; opt into email digests when you want the platform to push to your inbox.
Check the topics you care about. New posts and news matching any checked topic become "unread" alerts. Leave all unchecked to get everything.
The browser keeps your alerts here. To get them pushed to your inbox — daily digest, weekly digest, or breaking-only — add an email below. We send what you'd see on this page, nothing else.
Honest note: in this browser-only build, your email and preferences are saved to localStorage and not yet sent anywhere. The production version will hand this off to a real CRM (HubSpot or Salesforce) and trigger Mailgun/Postmark sends on schedule.
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Curated directory of CPAs, attorneys, qualified intermediaries, cost-seg firms, and specialty lenders — selected for real-estate fluency, cross-border capability, and bilingual coverage. Free intros; we earn a referral fee from the professional, never the user.
Cost segregation ROI under the OBBB 100% bonus depreciation rules, and Real Estate Professional Status (REPS) eligibility assessment. The 1031 and Opportunity Zone comparisons remain on the Tax strategy page.
50-point Institutional Due Diligence Questionnaire across 16 categories — Firm history, track record, strategy, pipeline, investment process, risk, team, conflicts, operations, compliance, insurance, past issues, side letters, references, AI/tech. Score the sponsor; flag what's missing; save reports per sponsor for IC review.
Paste the deal's numbers; get cap rate, cash-on-cash, leveraged IRR, DSCR, and a 10-year projection. Compares against the asset-class median from the Fundamento Scorecard so you see whether the deal beats the benchmark.
SEC Rule 506(c) requires third-party verification before access to specific deal offerings. Self-certification grants Premier educational access only.
Read the full accredited investor disclosure →
Confirm you meet at least one accredited-investor criterion. Grants access to educational content.
Unlocks: Library, news, research, calculators, sponsor profiles.
Does NOT unlock: deal offerings, co-investments, sponsor diligence (require Track 2).
VerifyInvestor confirms your accredited status through an independent review. Required by SEC Rule 506(c) for access to specific deal offerings.
Unlocks: co-investments, deal evaluations, sponsor due diligence, full deal-room.
Verification is valid for 90 days. Re-verify before expiry to maintain access.
Accepted methods: income documentation, net-worth statement, professional license (Series 7, 65, 82), or attorney / CPA letter.
If you do not currently meet accredited criteria, you can downgrade to Fundamento Pro and receive a prorated credit.
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