Building ROI Calculator
Searching "is buying a building worth it long term"? Model a 10-year rent-versus-own scenario to estimate payment impact, equity potential, and overall ownership outcomes.
ROI Inputs
10-year ownership outlook
10-year lease spend: $1,200,000
10-year ownership spend: $1,513,956
Estimated property value in year 10: $1,792,118
Estimated equity potential: $532,118
Estimated net ownership advantage: $218,163
This is an estimate for educational purposes. Actual terms vary by lender and borrower profile.
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Educational Resource: BuyingABuilding.com is not a lender, mortgage broker, or financial advisor. We provide education and help connect business owners with participating SBA-approved lenders.
Is buying a building worth it long term?
Ownership tends to outperform leasing over 10 years when the building appreciates and your loan balance amortizes down, building equity on top of any monthly payment savings. This calculator models that outcome using your own appreciation, rate, and term assumptions rather than a fixed rule of thumb.
Building ROI FAQ
How does this ROI calculator estimate value?
It uses your assumed appreciation rate and compares projected ownership outcomes against lease spend over a 10-year period.
Is ROI guaranteed when buying a building?
No. Property values and business performance change over time. Use this as a planning model, not an investment guarantee.
Should I compare ROI and break-even together?
Yes. Break-even helps with timing, while ROI helps with long-term value potential.