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<!-- HEADER -->
<div class="header">
<div class="eyebrow">Point B Properties — Prepared for Jessica</div>
<h1>Your Mozart St. Building Is Worth More Than You Think — Just Not In The Way You Think</h1>
<p>A simple breakdown of what holding vs. selling actually means for your goal of owning 10–12 units.</p>
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<div class="gold-line"></div>
<!-- THE QUESTION -->
<div class="section">
<div class="section-label">The Real Question</div>
<h2>It's not "Is the price good?" — it's "Does holding get you there faster?"</h2>
<p>You've built real equity in Mozart St. The question worth answering isn't whether $450k–$470k is exciting. It's whether sitting on a 2-flat for the next 5 years accelerates or delays your path to owning a 10–12 unit building. Here's how the math plays out.</p>
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<!-- COMPARISON -->
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<div class="section-label">Side by Side</div>
<h2>Hold Mozart vs. Sell + Trade Up</h2>
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<th>Metric</th>
<th>Option A: Hold Mozart</th>
<th>Option B: 1031 into 7-Unit</th>
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<td>Current Asset Value</td>
<td>$450,000</td>
<td class="gold-val">$1,050,000 ($150k/door)</td>
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<td>Unit Count</td>
<td>2 Units</td>
<td class="gold-val">7 Units</td>
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<td>Equity Requirement</td>
<td>$150,000</td>
<td>$157,500 (15% Down)*</td>
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<td>Annual Appreciation (3%)</td>
<td>$13,500/yr</td>
<td class="gold-val">$31,500/yr</td>
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<tr>
<td>Loan Qualification</td>
<td>Personal (Taxes/W-2)</td>
<td class="gold-val">Institutional (DSCR/Income)</td>
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</tbody>
<tr class="footnote">
<td colspan="3">* With a stabilized 7-unit, portfolio lenders can close with 15% down plus reserves — putting your Mozart equity to work immediately.</td>
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<div class="insight">
<p>The difference isn't just unit count. <strong>A 7+ unit building qualifies for commercial financing</strong> — meaning the bank stops looking at your personal income and tax returns. The building qualifies itself. That's a different world from where you are today.</p>
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<!-- HOW IT WORKS -->
<div class="section">
<div class="section-label">How It Works</div>
<h2>Three steps to get from Mozart to 10+ units</h2>
<div class="steps">
<div class="step">
<div class="step-num">1</div>
<div class="step-content">
<div class="step-title">List Mozart, maximize price</div>
<div class="step-desc">We target $425k–$475k on the open market. I'm the only broker in Chicago who specializes in both the brokerage and development of frame 2–4 units — which means I know exactly who the right buyer is and what they'll pay.</div>
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<div class="step">
<div class="step-num">2</div>
<div class="step-content">
<div class="step-title">Structure a 1031 Exchange</div>
<div class="step-desc">By rolling the proceeds into a new property within 180 days, you defer capital gains tax entirely. Your equity works for you — not the IRS.</div>
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<div class="step">
<div class="step-num">3</div>
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<div class="step-title">Acquire a stabilized 7–10 unit</div>
<div class="step-desc">Your ~$150k in equity becomes the down payment on a $1M+ commercial asset. One move. Done.</div>
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<div class="fin-title">The financing advantage nobody talks about</div>
<p>At 7+ units, you cross from residential to commercial lending. The bank's only question becomes: does the building's income cover the mortgage? If yes, the loan is approved — regardless of your W-2s, your DTI, or your personal tax situation.</p>
<div class="fin-highlight">✓ No more qualifying on personal income ✓ Debt stays in the LLC, not attached to you personally</div>
</div>
</div>
<!-- CTA -->
<div class="cta">
<h2>Ready to run the numbers together?</h2>
<p>This is just the overview. I can put together a full scenario model specific to Mozart — your actual equity, your actual tax situation, and what a target building would look like.</p>
<a href="sms:+13126638693">Text Rob to Get Started</a>
<p style="margin-top: 16px; color: rgba(255,255,255,0.5); font-size: 14px;">Or text directly: <strong style="color: #fff;">(312) 663-8693</strong></p>
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<div class="footer-note">
Prepared by Robert Linn · Point B Properties<br>
This is not tax or legal advice. Consult your CPA before structuring a 1031 exchange.
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