Rent vs Buy Analysis (Commercial Property) Excel Template for Business Owners

Should Your Business Rent or Buy Its Space?

One of the biggest financial decisions a business owner faces is whether to lease or own their commercial space. This Excel template helps you model both scenarios side by side to support your decision.

This template is designed for business owners with some financial knowledge or those working alongside a broker.

Prefer to have this done for you? Contact us for a custom analysis. If you purchase this template and later decide to get a custom analysis, the cost will be credited toward your engagement.

How This Template Works

What you're purchasing is a financial modeling tool. You will input your own assumptions in the blue cells based on your specific case (e.g., purchase price, rent, expenses, financing terms, etc.), and the template will generate projections based on those inputs. The template comes prefilled with sample inputs so you can see how it works before entering your own numbers. Simply replace the values in the blue cells with your own and the model will update automatically.

Not sure where to start? Each input includes guidance on typical ranges and/or where to source reliable data (e.g., your broker, lender, or public market data). Even with baseline assumptions, adjusting variables will give you a meaningful directional view of outcomes.

Important: All outputs are estimates based on user-provided assumptions, not guarantees of future performance. 

What the Template Can Model Based on Your Estimates:

• Full occupancy cost comparison (rent vs. ownership)
• Financing assumptions and debt service
• Cash requirements to purchase
• Estimated Equity at end of holding period
• NPV for both scenarios using your selected discount rate
• Up to 10-year holding period analysis

This Template Is Built For You If:

• You're considering buying a property (including your current space) and want to compare it against staying in your lease
• You're evaluating a move to a new location and need to decide whether to rent or buy it
• You want a practical, defensible financial framework to bring to your lender, CFO, or board.

Note: Formula cells are locked to ensure accuracy and integrity of the model by preventing accidental edits. All input cells are editable.

Software Requirements:

• Designed for Microsoft Excel (.xlsx)
• Compatible with Microsoft Excel for Windows and Mac

Delivered instantly, you will receive an email with your download link upon purchase.

This product is designed for use in the United States and reflects U.S.-based assumptions, conventions, and practices.

IMPORTANT: Purchase constitutes acceptance of RZR Advisory's Terms of Use.