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What you pay now
Not your total bill — just the base rent line in the lease.
Taxes, insurance and common area you reimburse the landlord. Under a triple net lease this is most of the gap between rent and what you actually pay.
You pay these whether you lease or own. They appear on both sides.
Three percent compounding is a 34% rent increase over ten years.
The building you would buy
If this exceeds the space you occupy, the balance is modeled as leased to a tenant.
Rolled into the project cost, which is what SBA 504 sizes against.
All 169 Connecticut towns and 39 Rhode Island municipalities. Rhode Island applies the commercial rate automatically.
Set automatically by the picker above. Type over it if your parcel sits in a district not listed, or one that bills a flat fee.
Leave blank to use the municipal rate above. Fill it in if you have the actual assessment.
Roof, HVAC, parking lot, structure. The landlord was funding this out of your rent; now it is yours.
Space you would lease out
Financing
Fixed for the full term, priced July 9, 2026. No balloon.
How you would hold it
Your assumptions
The one input that changes the answer most. If a dollar in inventory, equipment or a hire returns 20%, real estate at a 7% cap is a bad trade even when the building 'builds equity.'
A study typically reclassifies 20–25% of basis into 5, 7 and 15-year property. Leave at zero if you have not had one done.
20% long-term plus 3.8% net investment income tax. Depreciation recapture is separately applied at 25%.
Talk it through
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Should you keep writing a rent check?
Fill in what you pay now and what the building would cost. You will get the after-tax monthly comparison, the break-even year, and an honest read on whether the capital belongs in a building or in your business.
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