Asset Performance Analysis

Asset Performance Analysis | Katalyst Team

What You Will See in Your Report

✦ Capital Gains Exposure

✦ Return on Equity (ROEE)

✦ Depreciation Recapture

✦ Sell vs. Hold Comparison

✦ DST Passive Options

✦ Cash-Out Strategy Analysis

Step 1 of 3: Property & Purchase Info

Tell us about this property

Property Address or Nickname

Estimated Current Value

Outstanding Mortgage Balance

Original Purchase Price

Year Purchased

Property Type

Acquired via 1031 Exchange?

Adjusted Tax Basis Optional. Leave blank and we use purchase price

Rental income & operating expenses

This is how we calculate your Return on Existing Equity (ROEE), the real yield your trapped equity is generating. Skip if this is a personal residence.

Gross Monthly Rent

Monthly Principal and Interest Payment P&I only. Do not include taxes or insurance — those are entered separately below.

Annual Property Taxes

Annual Property Insurance

Property Management

You manage this property yourself. No management fee is applied. Consider whether your time has an opportunity cost worth quantifying.

Other Monthly Expenses

Maintenance & Repairs Budget 1% of property value per year ÷ 12

Vacancy Reserve Typically 5–8% of monthly rent set aside

Other Monthly Costs HOA, landscaping, utilities, etc.

Your tax profile

Used to calculate your federal long-term capital gains rate and depreciation recapture. Your income is never stored or shared.

Filing Status

Annual Adjusted Gross Income Not counting this sale. Determines your bracket

State of Residence

For Educational Purposes Only. This tool provides estimates based on your inputs and current IRS brackets. It is not tax or legal advice. Actual tax liability may differ based on individual circumstances including NIIT exposure, AMT, and state-specific rules. Consult a qualified CPA before making any decisions.

Asset Analysis

Your Asset Performance Report

Analysis complete.

Scroll to the bottom to see how to improve these numbers.

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Current Equity

Value minus mortgage

Total Appreciation

Since purchase

Est. Tax if Sold

All fed + state + recapture

Net Walk-Away

After taxes & payoff

Return on Equity

Annual cash-on-equity

Return on Existing Equity (ROEE)

"Your equity has a job. Is it showing up for work, or sitting idle while the clock runs?"

Gross Annual Rent -

Less: All Operating Expenses -

Net Income After Expenses (NOI) -

Less: Annual Debt Service (Mortgage) -

Net Annual Cash Flow -

Monthly Cash Flow

Net cash per month

Current Equity

Your capital at work

Your ROEE

Net cash flow ÷ equity

Your Current Position at a Glance

🏷️

Sell It

Liquidate the asset. Walk away with net proceeds after all costs and taxes.

Gross Sale Price-

Selling Costs (~6%)-

Loan Payoff-

Federal Cap Gains Tax-

Depreciation Recapture (25%)-

State Capital Gains Tax-

Effective Tax Rate on Gain-

Net Walk-Away -

True Cost of Selling This Asset

Capital Gains Taxes -

Selling Costs (6%) -

Total Cost to Exit -

That is - of your property value lost to taxes and selling costs

📊

Hold It

Keep the property as-is. The numbers below show your current position.

Current Equity-

Net Monthly Cash Flow-

Return on Equity (ROEE)-

Tax Liability at Risk if Sold-

Your Equity Is Earning -

Two Passive Strategies Below

Eliminate Tax. Improve Cash Flow.
Protect Your Wealth.

Both options below use a 1031 Exchange structure to defer 100% of your capital gains tax, eliminate active property management, and generate consistent passive income.

Keep scrolling to see your options ↓

Net Equity to Deploy

After 6% selling costs and loan payoff

Capital Gains Tax Deferred

Stays working for you, not the IRS

Current Monthly Cash Flow

Active management, full responsibility

✦ Fully Passive · Zero Headaches

Option 1

1031 DST Exchange

Delaware Statutory Trust

Sell your property, defer 100% of capital gains taxes, and roll your full net equity into an institutional-grade passive investment. No tenants. No calls. No management. Just income, with a protected step-up in basis for your heirs.

Gross Sale Price-

Less: Selling Costs (6%)-

Less: Loan Payoff-

Net Equity Into DST -

DST Distribution Rate5.5%* annually

Gross Annual DST Income-

Capital Gains Tax Deferred-

Property ManagementNone. Fully managed

Tenants, Repairs, CallsEliminated

Step-Up in Basis (heirs)Preserved

*Estimated distribution rate. Institutional DSTs currently yield 5–6%. Actual returns vary by offering. Referrals include comprehensive due diligence.

New Monthly Passive Income

⚡ The Katalyst Cash Strategy

Option 2

The Katalyst Cash Strategy

Pre-Planned Liquidity + Balance Sheet Optimization

Pull tax-free cash out before the exchange (up to 50% LTV) to diversify into other investments. Then 1031 the remaining net equity into a passive DST. Two income streams. Zero management. A smarter, more diversified balance sheet.

Gross Sale Price-

Less: Selling Costs (6%)-

Less: Loan Payoff-

Cash Released (up to 50% LTV)-

Cash Invested at 5.5% / yr-

Remaining Net Equity to DST -

DST Income at 5.5% / yr-

Capital Gains Tax Deferred-

Property ManagementNone. Fully managed

Combined Monthly Income

-/mo cash + -/mo DST

Katalyst Cash Strategy: Net Cash to You After All Costs

This shows what your cash-out actually nets after closing costs and carry, then what it generates at your target rate of return.

Cash In Hand (Net)

Tax-free loan proceeds, net of all costs

Cash Released (up to 50% LTV) -

Less: Closing Costs (estimate)

Less: Net Carry Cost (2.75% x 6 mo.) -

Adjust the target return on this cash to see monthly income:

5.5%

3% Conservative12% Aggressive

Net Cash Monthly Income

Katalyst Cash Strategy: Combined Monthly Income

A Note on the Katalyst Cash Strategy: Carry Cost

Plan on carrying this loan for a minimum of six months before the property sale to remain compliant with IRS and lender guidelines. Budget for closing costs plus a net carry cost of approximately 2.75% annually for planning purposes. Consult your CPA and qualified intermediary to confirm your specific timeline.

Est. Carry Cost on Your Cash-Out

At 2.75% net carry over 6 months

Best Practice Guidance

Cash-out refinancing should be completed a minimum of six months prior to any sale or property transfer. Proceeds should reflect a genuine business or investment purpose such as balance sheet diversification, asset reallocation, or capital deployment into other investments. Personal-use spending is not a qualifying purpose. Consult your CPA and qualified intermediary before proceeding. Closing costs apply and vary by lender.

Presented by The Katalyst Team at Ethos Lending

Next Step

Connect With the Right Expert

Based on what resonated most in this analysis, choose the conversation that fits where you are.

Passive DST Strategy

Understand the DST Structure

Learn how a Delaware Statutory Trust works, what offerings are available, and whether this is the right fit for your equity. Connect with Jon Taylor at JRW Investments.

Connect with Jon Taylor at JRW →

The Katalyst Cash Strategy

Pre-Planned Liquidity + Balance Sheet Optimization

Explore the Katalyst Cash Strategy, understand the pre-planned liquidity timeline, and build a plan to optimize your balance sheet before your exchange. Connect with Mike Hardy at Ethos Lending.

Connect with Mike Hardy at Ethos →

Complimentary consultations. No obligation. The Katalyst Team, Ethos Lending.

Illustration notes: Net equity reflects gross sale price minus 6% selling costs and loan payoff. These are the actual dollars available to exchange. DST distributions illustrated at 5.5% annually; actual rates vary by offering and are not guaranteed. Option 2 cash-out proceeds shown at your selected rate; actual returns depend on deployment. Cash-out proceeds are loan proceeds, not taxable income. DSTs are securities under SEC Reg D. Consult a licensed financial advisor and qualified intermediary. All strategies use IRC Section 1031 for tax deferral.

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