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No account is required. Calculator entries are processed locally and are not uploaded or stored by CarryThePaper. Calculations are illustrations—not transaction approvals, appraisals, quotes or tax determinations.
The site’s practical structure is informed by prior real-world mortgage and lending experience, while recognizing that laws, documents and transaction facts can differ significantly by state and circumstance.
How the calculators work
Amortization
Fixed-rate principal-and-interest calculations use standard monthly amortization. Each payment first covers accrued interest; the remainder reduces principal. Balloons display the remaining principal contractually due at the selected point.
Loan-to-value
LTV is the applicable loan balance divided by the entered property value. Stress tests vary property value and subtract entered costs; no LTV is labeled safe.
Present value / note value
Mathematical present value discounts the remaining contractual payment stream and any entered balloon using the selected investor yield. It is not a market quote.
Note-buyer yield
The stated note rate is the contract rate. Investor yield depends on the actual purchase price and payment stream. Monthly IRR is solved from those cash flows; annualized IRR is monthly IRR × 12, while effective annual yield is (1 + monthly IRR)¹² − 1.
Tax illustrations
Tax figures are educational estimates. Adjusted basis, capital improvements, home-sale exclusion eligibility, prior rental or business use, depreciation, existing debt, selling expenses and other facts can change actual treatment.
Privacy
CarryThePaper does not provide accounts and does not transmit or retain calculator entries. External links are provided as educational starting points and are governed by the destination site’s policies.
Educational disclaimer
CarryThePaper is not acting as a lender, mortgage broker, real-estate broker, attorney, tax adviser, appraiser, note buyer or investment adviser. Obtain appropriate legal, tax, title, servicing, mortgage-program and financial guidance for the actual transaction.
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