How do you evaluate Hold vs Refi vs Sell vs 1031 decisions?

Question

Hi, I’ve been building a structured framework to compare rental property options:

• Keep as-is • Refinance (no cash out) • Refinance (cash out) • Sell (taxable) • 1031 exchange

It consolidates cash flow impact, equity efficiency, and tax trade-offs into one analysis.

I’m testing it with 5 rental investors in exchange for feedback.

If anyone is open to sharing a property scenario, comment below or message me and I’ll reach out.

Curious how others here structure these decisions. Thank you.

Erik Estrada · Answer

Hey Cesar,

These are all very different strategies. What is your ultimate goal here?

Cesar S. · Answer

Totally agree, that’s exactly why I’m modeling it. Each strategy optimizes for something different (liquidity vs long-term equity growth vs tax efficiency). I’m trying to frame it less as “which is best?” and more as “which aligns with the investor’s objective.” Curious how you typically guide that decision? Thanks.

How do you evaluate Hold vs Refi vs Sell vs 1031 decisions?

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