Buyer & Investor View

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

Fees & Assumptions

EdificeX Fees

Platform fee (buyer, one-time)1.0%
Investor transaction fee (one-time)2.0%
Rent management fee (monthly)2.0%

Model Assumptions

Mortgage rate6.0%
Annual appreciation3.0%
Annual rent increase2.0%
Property tax (annual)2.1%
Insurance (annual)0.6%
Maintenance reserve (annual)0.7%
Annual inflation rate2.5%
Closing costs1.8%

Property Value ($):The full market value of the property being tokenized. All calculations — tokens, rent, and expenses — flow from this number.

Buyer Down Payment (%):Percentage of the property value the buyer pays upfront. Reduces the number of tokens they need to redeem over the payoff period.

Total TokensAuto-calculated at $50 per token from the property value. Each token = a $50 share of equity, redeemed monthly by the buyer until full ownership.

— tokens @ $50 / token

Annual Appreciation (%):Expected annual % increase in property value. Drives token price appreciation and the terminal value at the end of the payoff period.

Monthly Rent ($):The fixed monthly rent the buyer pays. Grows each year by the rent increase rate below.

Annual Rent Increase (%):How much rent rises each year. 2% means a $3,000/month rent becomes $3,060 the following year.

% / yr

Payment Mode:How the buyer repays their token balance: over a fixed number of months (time-based) or a fixed monthly dollar amount (amount-based).

Term (months):Target months to fully redeem all tokens. EdificeX calculates the required monthly payment from this term.

Monthly HOA ($):Monthly HOA dues in dollars. Deducted from rental income as an operating expense before returns are distributed.

Annual Insurance (%):Annual homeowner's insurance as a % of property value. An operating expense that reduces net rental income.

Annual Maintenance (%):Annual maintenance reserve as a % of property value. An operating cost that reduces net rental income.

Annual Property Tax (%):Annual property tax as a % of assessed value. Reduces rental income and is partly deductible in the mortgage comparison.

FHA loanFHA loans add an upfront MIP fee and ongoing mortgage insurance regardless of down payment size. Non-FHA uses conventional PMI that cancels at 80% LTV.

Adjust parameters and run the simulation to see results.

Your Buyer Payment Plan Your average monthly cash outflow for the chosen payoff term — rent, token redemptions, and operating expenses combined. The accelerator shows how extra payments shorten your timeline.

Average monthly outflow over the chosen term. Use the accelerator below to see how adding an extra monthly contribution toward token buyback shortens the payoff.

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.

Buyer & Investor Financials

Your Buyer Payment Plan Your average monthly cash outflow for the chosen payoff term — rent, token redemptions, and operating expenses combined. The accelerator shows how extra payments shorten your timeline.

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.

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.

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.

Capital You Can Redeploy Cumulative token redemption cash split into principal returned and appreciation profit — capital you can reinvest 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.

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.

Investor Annual Schedule Year-by-year cashflow detail for the investor pool: rent, redemptions, expenses, fees, and equity balance.

Buyer & Investor Financials

Your Buyer Payment Plan ?Your average monthly cash outflow for the chosen payoff term — rent, token redemptions, and operating expenses combined. The accelerator shows how extra payments shorten your timeline.

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.

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.

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.

Capital You Can Redeploy ?Cumulative token redemption cash split into principal returned and appreciation profit — capital you can reinvest 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.

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.

Investor Annual Schedule ?Year-by-year cashflow detail for the investor pool: rent, redemptions, expenses, fees, and equity balance.

Your Buyer Payment Plan Your average monthly cash outflow for the chosen payoff term — rent, token redemptions, and operating expenses combined. The accelerator shows how extra payments shorten your timeline.

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.

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.

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.

Capital You Can Redeploy Cumulative token redemption cash split into principal returned and appreciation profit — capital you can reinvest 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.

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.

Investor Annual Schedule Year-by-year cashflow detail for the investor pool: rent, redemptions, expenses, fees, and equity balance.