The Real Estate page lets you model up to 5 properties as part of your plan: primary homes, second homes, rentals, and land. Each property can carry its own value and appreciation rate, optional rental income, optional carrying costs (property tax, insurance, HOA, maintenance), and a linked mortgage from the Debts page.

Each property has an ownership timing setting:

• Already own this property - included from the start of the plan.
• Plan to buy this property in the future - purchase price and closing costs become a one-time expense in the purchase year, and the property's rental income, costs, and appreciation only kick in after that year.

Each property can also have a planned future sale: pick an age or year, choose between projected and override sale value, set selling-cost percentage and estimated tax, and route net proceeds to a chosen account. Linked mortgage debts are paid off at sale; rental income and carrying costs stop in the sale year.

What happens to a property you never sell

The Sale tab also carries a Leave to heirs switch, on by default. A property you still own when the plan ends counts toward your legacy goal at market value, net of anything still owed on it. No tax is taken off, because real estate gets a step-up in basis at death - heirs who sell it straight away owe essentially nothing, so market value is already what it is worth to them.

Turn the switch off for a property you expect to pass outside your plan. A property the plan sells is unaffected either way: it is counted once, through the sale proceeds arriving in your portfolio, and never a second time at the end.