Duplex Ray
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Is your rental beating the S&P 500?

Duplex Ray turns years of rent, repairs, and mortgage payments into your real return. Then it tells you whether to hold or sell, and when.

Explore a live example See how it works ↓

A sample duplex, fully loaded. No sign-up.

Your stocks come with a scoreboard. Your rental doesn't.

Open any brokerage app and you'll see your return: this year, all time, down to the decimal.

Open the folder for your rental and you'll see receipts, lease PDFs, a mortgage statement, and a spreadsheet you stopped updating two summers ago.

You know the rent covers the mortgage. You might live somewhere that's appreciating. It's probably working out. But "probably" isn't a return, and you can't compare "probably" to an index fund.

Three steps from a folder of receipts to a real number.

  1. Property Setup for a sample duplex: $285,000 purchase, 25% down, 3% closing costs, a 4.5% 30-year loan, and the monthly payment and cash to close worked out beside each input.

    Step 1

    Enter your property.

    Price, loan, and rents. The numbers you already know by heart.

  2. Expenses grid showing each year's actual operating costs from 2018 to 2026, with year-over-year change in dollars and percent.

    Step 2

    Log what actually happened.

    Taxes, insurance, utilities, repairs, and every lease. Go as rough as a yearly total or as precise as every bill. Duplex Ray works with either.

  3. Capital Performance: a HOLD signal, IRR of 7.2% against 6.6% for the S&P 500, and a chart of the property's total value pulling ahead of the same money in the index.

    Step 3

    See your real return next to the S&P 500.

    Every dollar in and out, rolled into one return. Beside it, the same money in an index fund, using your own numbers.

Then it tells you what to do.

Most tools stop at a number. Duplex Ray ends on a decision.

HOLD

Keep going.

Your rental is ahead of the S&P 500, or it's worth waiting for. See how many years until it's worth the most.

Signal card reading HOLD, ahead of the S&P, beside a $3,920 lead over the S&P 500 in 2026.
BEST YEAR

This is the year.

Your lead over the S&P 500 peaks now. It's the year to sell for the most, if selling is on your mind.

Signal card reading BEST YEAR, peak lead vs. the S&P, beside a $74,871 lead (16% ahead) in 2042.
SELL

The math says move on.

It's past its peak, or the index fund has pulled ahead. See your IRR next to the S&P's and what you'd walk away with today.

Signal card reading SELL, past its peak: the lead over the S&P 500 has slipped to $63,368 by 2046.
Whatever the verdict, the advisor shows what to improve.

The verdict is math. The decision is yours. If you're tired of being a landlord, that counts too.

Try it before you sign up for anything.

Demo

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Explore a sample duplex bought in 2018, with every lease, repair, and tax bill logged.

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Set up your own property.

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Find out what your rental actually earned.

Start with ours. You'll know in a few clicks whether you want to see yours.

Explore a live example