Seller Finance Note Modeler
Model dozens of seller finance structures and find the best cash-on-cash return for any creative deal.
Property & Loan Inputs
Interest Only gives you $300/mo cash flow with 18.0% cash-on-cash return on $20,000 invested.
Interest Only
Interest-only payments, 3yr balloon at 6%
Monthly Payment
$900
Monthly Cash Flow
$300
Cash-on-Cash
18.0%
Annual Cash Flow
$3,600
Lease Option
$200/mo option premium, 3yr option, price locked at $200,000
Monthly Payment
$2,000
Monthly Cash Flow
$200
Cash-on-Cash
12.0%
Annual Cash Flow
$2,400
Standard Seller Finance
30yr amortization, 5yr balloon at 6%
Monthly Payment
$1,079
Monthly Cash Flow
$121
Cash-on-Cash
7.2%
Annual Cash Flow
$1,450
Wrap / Subject-To
Existing $120,000 at 4%, wrap at 6%. Seller spread: $506/mo
Monthly Payment
$1,079
Monthly Cash Flow
$121
Cash-on-Cash
7.2%
Annual Cash Flow
$1,450
Land Contract
Same as seller finance with forfeiture clause. 30yr amort, 5yr balloon at 6%
Monthly Payment
$1,079
Monthly Cash Flow
$121
Cash-on-Cash
7.2%
Annual Cash Flow
$1,450
Low Down + Higher Rate
$5K down, 8% rate, 30yr amort, 5yr balloon
Monthly Payment
$1,431
Monthly Cash Flow
$-231
Cash-on-Cash
-55.4%
Annual Cash Flow
$-2,770