Sell stock or borrow against it?
Compare tax drag and lost compounding against SBLOC interest, property cash flow, rate stress, and simulated margin-call risk.
The SBLOC preserves invested capital and the property covers interest in the base case.
Illustrative assumptions only. This demo makes no recommendation and does not use personal or live account data.
What each path costs
$36,826 estimated capital-gains tax to net the down payment.
Foregone growth on the gross sale at 7.0% annually.
7.20% modeled rate: SOFR plus broker spread.
$3,300 NOI before SBLOC interest.
How much drawdown breaks the loan?
A breach occurs when loan ÷ portfolio reaches the maintenance LTV. The simulation checks the threshold monthly, not only at the horizon.
Does rent still cover the line?
| Shock | All-in rate | Monthly interest | NOI less interest |
|---|---|---|---|
| Base | 7.20% | $2,100 | $1,200 |
| +100 bps | 8.20% | $2,392 | $908 |
| +200 bps | 9.20% | $2,683 | $617 |
| +300 bps | 10.20% | $2,975 | $325 |
Simplified ten-year paths
Both paths hold the same appreciating property. The comparison isolates stock-sale drag versus retained equities, outstanding SBLOC principal, and cumulative property cash flow.