Own · Ownership costs · true monthly carry
What it costs after you own it.
The purchase price is only the beginning. IPI, insurance, HOA, maintenance reserve, utilities — and management if you rent. We total the real monthly carry, cash or financed, and project it forward.
2026 Samaná benchmarksFree · no signup
Presets
A · Propertyvalue in USD
Property valuepurchase or current
$
Property type
Bedrooms
CONFOTUR-eligiblewaives IPI 15 yr
Currencydisplay
Reference rate · 1 USD = 62.5 DOP
B · Financingadds mortgage P&I
Are you financing?cash skips P&I
Down payment35%$99,750
Interest rateAPR
%
Termyears
yr
C · Recurring costsseeded — adjust freely
Insurance%/yr
%
Maintenance%/yr
%
HOA / condo$/mo
$
Utilities$/mo
$
Seeded from the property type & bedrooms — override any field with your own quotes. Entered in USD.
D · Rental offsetoptional
Rent it out?nets rent vs carry
Gross rent$/mo
$
Management% of rent + $150/mo
%
Net rent (after management) is subtracted from your carry. CONFOTUR properties are exempt from income tax on rental profit.
Your true monthly cost
$3,180/mo
Financed at 35% down. Mortgage P&I is the largest slice; IPI is 1% above $182k.
Per year$38,161
Carry ex-mortgage4.8%/yr
Net after rent—
Total / mo$3,180
- Mortgage P&I64%$2,040
- Property tax (IPI)3%$86
- Insurance3%$95
- HOA / condo9%$300
- Maintenance reserve11%$356
- Utilities10%$303
Annualized
PER YEARRecurring carry + mortgage$3,180/mo
Annual total$38,161
— non-mortgage carry$13,681
— mortgage P&I$24,480
Carry as % of value ex-mortgage4.8%/yr
5-year total carry$196kavg $3,260/mo · 3% inflation
10-year total carry$404kavg $3,369/mo · 3% inflation
15-year total carry$628kavg $3,490/mo · 3% inflation
Carrying a DR property runs about 4–5% of value a year — before the mortgage.
IPI is 1% only on value above ~$182,000 (RD$10.7M) and is waived for 15 years under CONFOTUR. Insurance runs ~0.4%/yr, a maintenance reserve of ~1.5%/yr is prudent for the coastal climate, and beachfront condos carry HOA fees that fund pools, security, and grounds. Renting on a management contract typically returns ~80% of gross to the owner.