Rent-to-own vs. selling outright

Drag the sliders to match your real numbers. Everything below recalculates instantly — the verdict, the break-even weeks, and the 78-week cash flow race.

Model notes: each defaulting customer is assumed to stop paying about a third of the way through their term, with the unit recovered at 40% of your cost (resale or re-rent value). The outright line assumes every one of those same units sells for cash at full price the same week. Collections labor, repairs during the term, and repossession costs are not included — those come out of the RTO line in real life, so treat the crossover week as the optimistic edge.