Mortgage Optimization Guides
The strategy layer: which financing choice produces the highest expected net worth while preserving enough liquidity. These guides use breakeven returns rather than rules of thumb.
Complete guide
Complete Guide to Mortgage Optimization
The strategy layer: breakeven returns, extra payments, liquidity floors and getting the most from seller credits.
Guides in this topic
Tools for this topic
Payoff vs. invest
Compares extra principal against investing the same dollars on an after-tax basis over your holding period.
Open calculatorBreakeven return
Solves for the after-tax investment return at which two financing strategies end with identical net worth.
Open calculatorCommon questions
- What is a breakeven investment return?
- It is the after-tax annual return at which two financing strategies end your holding period with the same net worth. Above it, investing wins; below it, paying down the mortgage wins.
Coming soon in this topic
- Should I Make Extra Mortgage Payments?
- Mortgage Breakeven Investment Rate Explained
- Should I Keep Cash or Increase My Down Payment?