What it costs after you own it.

The recurring monthly carry: mortgage principal and interest (if financed), the IPI property tax, insurance, HOA/condo fees, a maintenance reserve, and utilities. If you rent the property out, net rental income (after management) is subtracted to show your net carry. Closing costs are one-time and handled by the Transaction Cost calculator, not here.

The Impuesto al Patrimonio Inmobiliario (IPI) is an annual 1% tax on property value above roughly $182,000 USD (RD$10.7M for 2026, adjusted annually). It is paid by the owner in two installments. Property below the threshold, land, and CONFOTUR-certified properties are exempt.

A CONFOTUR-certified tourism property is exempt from the annual IPI property tax for 15 years, and rental income from it is exempt from the 27% income tax during the benefit window. Toggle CONFOTUR on to see the IPI line drop to zero. Verify your specific property's certification and remaining exemption period with your attorney.

A maintenance reserve of roughly 1.5% of value per year is prudent for the coastal Samaná climate (2% for villas with more exterior and grounds), and insurance runs about 0.4–0.5% of value per year. This tool seeds those rates from the property type, but you can adjust each field to match your own quotes.

For a rented property, the Samaná standard is a $150/month fixed fee plus a commission on gross rent — typically 15–25% (20% is most common) — to handle bookings, cleaning, guest communication, and upkeep. This calculator subtracts both the fixed fee and the commission from gross rent to show the net rent that offsets your carry; the Rental Income calculator models the full seasonal projection.

Often it offsets a large share, sometimes all of it — but rental income is seasonal and variable, so treat it as an offset rather than a guarantee. Enter a conservative gross rent, and use the linked Rental Income calculator for a season-by-season projection before relying on it.