Portfolio Disposition Calculator

Portfolio dispositions aggregate costs and proceeds. This calculator computes net cash.

Gross sale price

Total loan payoff

Blended commission %

Closing + transfer

Prepayment penalties

Net disposition proceeds

$34,275,000

Total disposition costs

$5,725,000

Net margin %

36.08%

How the math works

Net = gross sale − loan payoff − commission − closing − prepay penalties.

Model net margin as decision gate. If proceeds margin is below 25% of gross, dispositions may not meet investor return targets. Reassess timing or pricing before listing.

How to Use

Enter total gross sale price.
Enter total loan payoff.
Enter blended commission %.
Enter closing + transfer costs.
Enter prepayment penalties.
Read net disposition proceeds.

Frequently Asked Questions

Single vs portfolio sale?

Portfolio sales to single buyer can trade at 2-5% discount to individual sales but save 6-12 months of process time. Institutional buyers prefer clean portfolio acquisitions.

Timing?

Longer dispositions = more individual transactions = higher proceeds per asset. Portfolio sale = shorter timeline but aggregate discount. Model both before engaging.

Tax consequences?

Portfolio sale triggers lump-sum gain. Individual sales can stagger recognition or use 1031 exchanges. Tax planning dominates disposition strategy in many cases.

How often should I rerun this?

Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.