Condo Liquidity & Carrying Cost Calculator

Strategic carrying burn & market clearing simulation for stagnant condo inventory

Scenario Presets:
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Liquidity Strategy Engine

Strategic 8.5% price adjustment to clear market within 45 days
Holding out for full list price burns more capital in HOA and interest than an upfront clearing concession.
Monthly Carrying Total
$3158
HOA+Special: $800 | P&I: $1,875
Annual Carrying Total
$37896
Erosion rate: $103.82 per day held on market
Estimated Net Proceeds
$332325
At target price: $352,275 (after selling friction)
Liquidity Friction Score
High
Market inventory velocity: 142 Days on Market
Property & Debt Basis Financing
$385,000
$310,000
6.2%
HOA & Fixed Monthly Sunk Costs Friction
$650/mo
$150/mo
Reserve fund deficits or major exterior / roof repairs
$4,600/yr
$1,200/yr
Market Velocity & Strategy Exit Plan
142 Days
Current average holding time for local condo inventory
8.5%
Price drop aimed at accelerating contract clearance within 45 days
Net Realized Equity vs Holding Duration (Days on Market)
Full List Holding Drag
Strategic 8.5% Discount Path
Cumulative Sunk Holding Burn
Break-Even Crossover: After 124 days on market, the accumulated carrying burn exceeds the entire 8.5% strategic price concession.
Exit Scenario Comparison Matrix Comparative Outcome
Strategy Pathway Contract Price Est. Days to Sell Carrying Burn Net Proceeds Net Equity Cash
Market Context & Carrying Drag Reality

Condominium inventory experiences non-linear friction when interest rates and mandatory HOA reserves rise simultaneously. Unlike single-family homes, buyers scrutinize HOA financial health, deferred maintenance reserves, and looming special assessments.

Holding out for an unrealistic top-of-market list price while inventory sits for 140+ days often yields less net equity than taking an immediate, deliberate 5% to 9% price trim that attracts liquid buyers and caps monthly carrying burn.

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