RE

Seller Finance Deal Calculator

v2.0

Step 1 of 6

What's the deal?

Enter property details and your pricing estimates.

Property Details (optional)

Pricing

$
$

Your estimate of current market value — used for ITV calc

$

After-repair value — your sale price target

1 / 6

Net Profit

$121,271

Annualized CoC

5321.8%

Cash Neutral

7 yr 5 mo

Deals / Year

3.8

Deal Summary
Purchase Price
$175,000
Total Financed
$131,250
Down Payment
$43,750
Acquisition Fees
$5,125
Carrying Costs
$2,569
Rehab Budget
$15,000
Cost Basis
$198,335
Disposition Costs
$2,212
Loan Payoff at Close
$131,250
Equity Deployed
$66,444
Total Cash Out
$199,907
Monthly Debt Service
$1,203/mo
Cash Flow
Buyer Down Payment
$25,000
1st Lien Payment
$1,629/mo
$193,750 @ 9.5%
2nd Lien Payment
$286/mo
$31,250 @ 10.5%
Cashflow Before Note Sale
$0
Partial Sale (202 pmts)
$149,591
Remaining balance: $146,587
2nd Lien @ Yr-1 Payoff
$31,094
Net Cash Received
$174,591
Loan Payoff at Close
($131,250)
Closing Costs
($2,212)
Net Out of Pocket
$25,316 remaining
Returns
Net Profit
$121,271
Cash on Cash Return
182.5%
Annualized CoC
5321.8%
Months to Cash Neutral
7 yr 5 mo
Deals / Year
3.8
Annual Revenue @ Velocity
$466,257
Note Quality
⚠Buyer down payment 10.0% — 15%+ preferred by most note buyers
⚠Rate 9.50% is at the minimum — 10%+ preferred for note buyers
✗ITV 84.2% exceeds 80% — most note buyers require ≤65–80% ITV
✓LTV 77.5% ✓
Timeline
Acquire
May 23
→ 30d rehab →
Market
Jun 22
→ 14d market →
Under Contract
Jul 6
→ 21d close →
Disposition Close
Jul 27
→ 30d →
Note Sale
Aug 26