Buy-before-sell strategy analyzer | Matt Adler | Apply With Adler
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Move-first planning

Buy-before-sell strategy analyzer

Estimate accessible equity, overlap carrying cost and the amount that may later be available to recast the new mortgage.

By Matt Adler, NMLS #138345Reviewed September 21, 2026Educational guidance
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Planning estimate

01

How this estimate works

Estimated net equity equals value less mortgage balance and selling costs. Overlap cost multiplies the current carrying cost by the selected months. It does not include bridge/HELOC interest, taxes on the new home or market-value changes.

02

Before you act on the result

This tool is educational and does not evaluate credit, income documentation, assets, reserves, property eligibility, program limits or current pricing. It is not an approval, rate quote, commitment to lend or Loan Estimate. Use current lender terms and verified property information for a real decision.

Frequently asked questions

Does estimated equity equal cash available?
No. Loan payoff, selling costs, repairs, concessions, temporary financing and required reserves can reduce usable proceeds.
What overlap period should I test?
Run several scenarios, including a longer period than expected. A plan that only works with an immediate sale is fragile.
Does the tool determine bridge-loan eligibility?
No. It illustrates equity and carrying cost; actual equity access and qualification require a lender review.
Accuracy and licensing noteProgram details vary by borrower, property, location and date. Confirm current LMCU terms, property-state availability, licensing and eligibility before making a financing decision. All loans are subject to credit and property approval.
A clear next step

Your situation deserves more than a generic answer.

Talk through the numbers, timing and tradeoffs with Matt before you commit.

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