MSP Homes · Twin Cities Planning
Home Decision Studio: start with a comfortable monthly housing budget.
Set a monthly housing comfort budget first, then compare stay, move, buy-and-renovate, and build-new paths with editable planning inputs before treating any path as the answer.
Comfort, cash protection, and longer-term ownership
The Home Decision Studio helps households compare a monthly comfort budget, first cash commitments, cash remaining after the initial commitment, five- and ten-year modeled housing cash flow, and remaining modeled loan balances. It does not predict appreciation, resale value, equity, investment returns, taxes, or lender approval. It is planning education, not financial, lending, legal, tax, appraisal, real-estate, or construction advice.
- Stay and renovate: retain the current home and test an improvement budget.
- Sell and move: estimate a sale-and-purchase path with your own assumptions.
- Buy and renovate: compare a potential purchase alongside a defined improvement allowance.
- Sell and build new: keep homesite, construction, timing, and temporary-housing questions visible.
Construction cost of waiting
The interactive sensitivity view uses a transparent historical construction-input index based on U.S. construction-materials and wage series via the Federal Reserve Bank of St. Louis. It is not a forecast, project-price index, or contractor bid.
Use current, source-linked information
Mortgage reference data comes from the Federal Reserve Bank of St. Louis. Consumer Financial Protection Bureau, Minnesota Attorney General, and Fannie Mae resources explain where to validate loan, closing-cost, sale, and affordability assumptions with qualified professionals.