Buyer & Investor Financials
A unified view of both sides of a tokenized home purchase: the buyer's all-in cost of ownership and the investor pool's returns on the same property. The buyer's path is benchmarked against a traditional 30-year fixed-rate mortgage for an apples-to-apples comparison.
- Tax treatment
- FHA UFMIP
- PMI cancellation
- Homestead exemption
- SALT cap
Projections only. All figures are forward-looking estimates based on the inputs provided and assumed market performance. EdificeX is a market-performance-based solution — returns, token redemption values, rent income, and property appreciation are not guaranteed and may differ materially from the projections shown. This tool is for informational purposes only and does not constitute financial, investment, or legal advice.
Adjust parameters and run the simulation to see results.
All figures are fully all-in. The EdificeX total includes every dollar the buyer pays: down payment, monthly rent to the investor, token redemptions (buying back ownership), operating expenses (property tax, HOA, insurance, maintenance), the one-time platform fee, and the monthly EdificeX rent fee. The mortgage total includes: down payment, closing costs, all principal & interest payments, PMI / MIP, operating expenses, and upfront FHA MIP — minus any tax deduction savings on mortgage interest and property tax. Both scenarios end with the buyer owning 100% of the same property.
Your Buyer Payment Plan Your average monthly cash outflow for the chosen payoff term — rent, token redemptions, and operating expenses combined.
Average monthly outflow over the chosen term, broken down by component. See how EdificeX monthly costs stack up against a traditional mortgage.
Accelerate Payoff Add extra dollars each month toward token buyback to see how much sooner you can own 100% of the property and how much you save.
Add an extra monthly contribution toward token buyback to see how it shortens your payoff timeline and reduces total cost.
Find Your Sweet Spot Sweeps every payoff term from 3–30 years to find where EdificeX costs less than the equivalent mortgage — your optimal holding period.
Compare every payoff term from 3 to 30 years against the equivalent fixed-rate mortgage to see exactly how long you should pay it off to spend the least with EdificeX.
Lifetime Comparison Side-by-side totals: every dollar paid under EdificeX vs. a comparable conventional or FHA mortgage over the full payoff period.
Property Value & Buyer Equity Projected property value growth over time alongside the equity the buyer accumulates as they redeem tokens each month.
Monthly Buyer Cash Outflow Every dollar the buyer pays each month: rent + token redemptions + operating expenses, compared to the equivalent mortgage payment.
Annual Schedule Year-by-year cashflow detail: property value, tokens outstanding, rent paid, redemptions, expenses, and running totals.
Total Investor Position Over Time Total capital at work each month: cash returned to date (rent + redemptions, net of fees) plus equity still held. Always ≥ your initial investment.
Where your money lives each month: cash already returned (rent + token redemptions, net of expenses + fee) plus equity still held in the property. The total starts at your initial investment and grows from day one — you never go “underwater.”
Annual ROI — Rent + Appreciation Two return streams per year: net rent yield (income) and token price appreciation (capital gain). The orange line shows the combined total.
Stacked bars show the two return streams per year: net rent yield (income) and token-price appreciation (capital gains). The orange line is the combined total; the dashed line marks the lifetime average.
Capital You Can Redeploy Cumulative token redemption cash split into principal returned and appreciation profit — capital you can reinvest without touching your remaining equity.
Cumulative cash freed up via token redemptions, split into principal returned (your original cost basis) and profit from appreciation (capital gains). This is dry powder you can reinvest in other properties without touching your remaining equity.
Monthly Income Breakdown Month-by-month rent inflow and token redemption cash — shows how your income mix shifts as the buyer redeems tokens over time.
Rent inflow grows as redemptions reduce the investor's share; token redemptions trend down as buyer ownership compounds.
Annual Rental Yield & Ownership Net rent yield and token appreciation per year as a % of your cost basis, plus your ownership percentage as the buyer redeems tokens.
Net yield on cost basis = (rent − expenses − fee) ÷ avg cost basis of un-redeemed tokens that year. Income yield on initial = same numerator ÷ initial investment. Both exclude principal returned via token redemptions.
Investor Annual Schedule Year-by-year cashflow detail for the investor pool: rent, redemptions, expenses, fees, and equity balance.
Running 360-month simulation…