Free Investment Tool

Real Estate Deal Calculator

Analyze any property across 4 financing strategies in seconds. See cash flow, CoC return, and DSCR β€” instantly.

🀝 Seller Finance πŸ“ˆ DSCR Loans 🏦 Traditional Bank πŸ”‘ Subject-To
πŸ“‹

Property Details

Shared across all financing tabs

Current listed price
What you negotiate to pay
Use conservative market comps
Verify by county β€” avg ~1.0–1.3%

πŸ’Έ

Monthly Expenses

Applied to every financing scenario

% of monthly rent
% of value / yr
% of monthly rent
🀝

Seller Financing Terms

Negotiate directly β€” no bank required

Push below bank rates
0 = fully amortized

πŸ’‘ Seller carries the balance β€” rate, term, and down are fully negotiable. No bank qualifying. A balloon means you refinance or pay off the note at that year.

πŸ“ˆ

DSCR Loan Terms

Qualifies on property cash flow, not your income

Typically 20–25%
2026 avg: 6.0–6.5%
Typical 1–2% of loan

πŸ’‘ No W-2 or tax returns needed β€” qualifies on rental income. Can close in an LLC. Rate runs 0.5–2% above conventional.

🏦

Conventional Investment Loan

Traditional bank financing

Min 20% for investment
~6.75–7.25% in 2026
Title, appraisal, fees

πŸ’‘ Requires W-2 income, tax returns, and DTI qualification. Limited to 10 financed properties. Closing costs added to cash invested.

πŸ”‘

Subject-To

Take over the seller's existing mortgage

What the seller still owes
Seller's locked rate
Years left on their loan
Cash above the loan
Attorney, title, recording

πŸ’‘ You take over payments at the seller's original rate. Risk: lender's due-on-sale clause β€” always consult a real estate attorney before proceeding.

πŸ“Š

Results β€” Seller Finance

Live calculations based on your inputs above

Net Cash Flow
β€”
per month
Cash-on-Cash Return
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DSCR Ratio
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Total Cash In
β€”
Loan / Balance
β€”
Monthly P&I
β€”
Effective Rate
β€”
Break-Even Rent
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Monthly Breakdown

Gross rent incomeβ€”
P&I paymentβ€”
Property taxesβ€”
Insuranceβ€”
Property managementβ€”
Maintenance reserveβ€”
Vacancy allowanceβ€”
πŸ† Net cash flowβ€”
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β€”

Deal Strength

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Side-by-Side Comparison

All four methods on this exact deal

🀝 Seller Finance
β€”
πŸ“ˆ DSCR Loan
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🏦 Traditional
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πŸ”‘ Subject-To
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