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See what your property could pay you.

Explore the financial shape of carrying the paper—then examine the borrower, collateral, documentation, legal requirements and exit options before deciding whether it fits.

WHAT YOU PAID$180,000

WHAT IT'S WORTH$425,000

WHAT IT COULD PAY$2,045/mo

Seller-financing calculator

Build the payment stream

Change any number. Results update immediately.

Calculated locally

Original purchase price

Current estimated value

Expected selling price

Existing mortgage payoff

Buyer down payment ($)

Interest rate (%)

Amortization (years)

Balloon after

Cash at closing*—

Note amount—

Starting LTV—

Monthly P&I—

First-year interest—

First-year principal—

Total scheduled interest—

Maturity balance—

IF PAID AS AGREED FOR THE FULL TERM—Total potential cash received, including down payment

Down payment: —
Total principal returned: —
Total scheduled interest: —
Total scheduled note payments: —

This amount is received over time, not today, and assumes all payments are made according to the note terms. Early payoff, default, modification or sale of the note can change the result.

*Down payment less the mortgage payoff entered; before closing, taxes, commissions, legal costs or other expenses. The original purchase price is historical context—not a measure of current yield.

Point in time	Principal paid	Interest paid	Remaining balance

Full amortization schedule

Payment	Payment	Principal	Interest	Balance

Early-payoff scenarios

What if the buyer pays you off early?

Payoff point

Monthly payments received—

Principal received in payments—

Interest earned—

Principal payoff received—

Total cash through payoff*—

*Includes the original down payment. Interest shown is earned through the selected payoff point; full-term scheduled interest is not guaranteed.

Three different paths

Cash sale vs. rental vs. carry

No automatic winner. This is a first-year cash-flow snapshot; rental ownership, appreciation, taxes and transaction-specific risks require separate analysis.

Agent/broker compensation ($)

Other cash-sale costs ($)

Monthly rent

Monthly rental expenses*

Cash sale net proceeds—

Rental monthly net*—

Carry cash at closing*—

Carry monthly P&I—

*Rental expenses should include mortgage payment, taxes, insurance, HOA, maintenance, vacancy, management and other recurring costs. Carry cash at closing remains before selling/closing expenses.

The complete financial lifecycle

One property. Several possible paths.

1PropertyYou own an asset

2SellReceive a down payment

3Create the noteFinance part of the price

4Receive paymentsPrincipal + interest

5AEarly payoffPrincipal returns sooner

5BContinue holdingCollect contractual payments

5CSell all or partLiquidity, usually at a cost

5DDeal with defaultApply Loan to Own

The governing principle

Loan to Own

Do not make or buy a real-estate loan secured by property you would be unwilling to own at your investment basis if the borrower ultimately defaults.

Foreclosure may involve legal expense, delay, bankruptcy, deterioration, unpaid taxes, insurance problems, holding costs and resale expense. Procedures differ by state.

Loan-to-own stress test

Pressure-test the collateral cushion

No LTV is labeled “safe”

Buyer defaults after

Foreclosure/legal costs

Unpaid property taxes

Unpaid insurance

Repairs/restoration

Holding costs

Resale expenses

Other recovery costs

Payments before default—

Principal received—

Interest received—

Balance at default—

Estimated net cushion*—

Value change	Estimated value	Note balance	LTV	Gross cushion	After entered costs

A cushion is not a promise of recovery. Time, lien priority, property condition, taxes, insurance, bankruptcy and state procedures can materially alter the outcome.

Owner-sale cost comparison

What could selling it yourself retain?

Agent-assisted compensation

Agent-assisted other costs

Flat-fee MLS

Photography + advertising

Attorney/document preparation

Owner-sale escrow/title

Other owner-sale costs

Agent-assisted costs—

Owner-sale costs—

Estimated difference—

Selling without a traditional agent does not always save money or produce the same price. Pricing, disclosures, contracts, inspections, title, escrow and seller-financing documents still require competent handling.

Buyer evaluation checklist

You know the property. Now know the borrower.

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Use a lawful, consistent process. Consumer reports require a permissible purpose and may require authorization. A decision based on a consumer report can trigger notice obligations. Fair-housing and fair-lending laws prohibit discrimination. Consider an attorney, RMLO and compliant credit-reporting provider.

Liquidity mathematics

What is my note worth today?

The unpaid principal balance is not necessarily what a note buyer will pay.

Present value only

Current unpaid balance

Monthly payment

Payments remaining

Current note rate (%) — informational only

Balloon amount

Balloon payment number

Assumed buyer yield (%)

Present value uses the actual payment stream and selected investor yield. The stated note rate is informational and does not independently change this calculation.

Mathematical present value—

Dollar discount from UPB—

Percentage discount—

Assumed investor yield	Mathematical present value	Dollar discount	Percentage discount

Mathematical present value only. This is not an appraisal, quote, offer or prediction. Actual pricing can reflect note rate, term, seasoning, payment history, borrower performance, property value, LTV, lien position, property type, documentation, servicing, balloon structure, required market returns and transaction expenses.

For prospective note buyers

Own the payment stream instead of the property

Unpaid principal balance

Note interest rate (%)

Monthly payment

Payments remaining

Balloon at end ($)

Proposed purchase price

Current property value

Transaction costs

Discount from UPB—

Current LTV—

Investment to value—

Note's stated rate—

Annualized IRR*—

Effective annual yield*—

Total projected cash—

*Annualized IRR is monthly IRR × 12. Effective annual yield is (1 + monthly IRR)¹² − 1. Both assume every scheduled payment and entered balloon is paid exactly as entered. It is not a guaranteed return and does not account for default, delay, servicing, taxes or recovery costs beyond the entered acquisition costs.

Specialized transaction pathways