Premium Showcase

Premium Analysis Showcase

Explore realistic examples of the analysis available with MilHousing Playbook Premium. These examples demonstrate how military families can evaluate their current home, compare housing options at their next duty station, and build a complete PCS housing strategy.

Sample Analyses — Example Data Only

This page demonstrates Premium features using fictional example scenarios.

Duty station

Nellis AFB, NV

Current home

Las Vegas, NV

Home value

$540,000.00

Mortgage balance

$284,156.00

Executive Summary

With $255,844 in equity, a favorable Las Vegas rental market, and a 10-year wealth-building horizon, converting the current home into a long-term rental builds substantially more wealth than selling. Projected rental income of $2,800/mo covers PITI plus property management with a positive ~$340/mo cash flow, and equity continues to grow through both appreciation and principal paydown.

Bottom Line Recommendation

Recommendation · High Confidence

Keep the home as a long-term rental.

Estimated 10-year net wealth advantage vs. selling: +$176,000.00.

Current Equity

Estimated value$540,000.00
Mortgage balance$284,156.00
Gross equity$255,844.00

Net Proceeds (if sold)

Sale price$540,000.00
Selling costs (~8%)- $43,200.00
Mortgage payoff- $284,156.00
Net to seller$212,644.00

Rental Analysis

Expected rent$2,800.00/mo
PITI$2,065.00/mo
Mgmt + vacancy + maint.$395.00/mo
Net cash flow+$340.00/mo
Year-1 cap rate4.6%

Sell Analysis

Net proceeds$212,644.00
Assumed reinvestment return6.5% / yr
Projected value at Y10$399,000.00
Capital gains exposureNone (Section 121 eligible)

Recommendation Drivers

  • ✅ Strong rental demand near Nellis AFB
  • ✅ Locked-in 4.25% mortgage rate
  • ✅ Positive monthly cash flow from day 1
  • ✅ 10-year horizon supports long-term hold
  • ⚠️ Self-management not feasible from CONUS PCS
  • ⚠️ HOA fee escalation risk

Risk Assessment

Vacancy riskLow
Market riskModerate
Tenant/management riskModerate
Overall risk score32 / 100

Military Considerations

  • VA loan entitlement remains partially used — affects next-duty-station financing.
  • Section 121 capital-gains exclusion preserved through 2029.
  • Distance management requires a vetted property manager.

Wealth Projection (10-Year)

Net worth (rental scenario, $K)

Y1Y10
Y5 net worth — Keep$362,000.00
Y5 net worth — Sell$291,000.00
Y10 net worth — Keep$475,000.00
Y10 net worth — Sell$399,000.00

Sensitivity Analysis

Rent -10%Still cash-flow positive
Vacancy +5%Net cash flow ~ $90/mo
Appreciation 2% vs 4%Y10 advantage: +$98K vs +$176K
Mgmt fee +2%Cash flow drops ~ $56/mo

Explain The Math

Net wealth = (Home value × growth) − Mortgage balance + Cumulative net cash flow − Sale of comparison portfolio. Defaults: 4% appreciation, 6.5% reinvestment, 8% sale cost, 12% management + vacancy + maintenance.

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