Seller Carryback Deal Calculator

Free tool to quickly check if your seller carryback deal makes sense before you negotiate terms. Analyze the complete financial picture from pre-closing through exit strategy.

Seller Carry Agreement Preview

Purchase Price—

Down Payment—

Seller Financing—

Seller Interest Rate—

Seller Amortization—

Balloon—

Interest Only Period—

Deferred Payment Period—

Estimated Seller Note Payment—

Gold bordered fields are editable

Gray fields are calculated

DEAL INFO

Property Address

Seller Name(s)

Buyer Name(s)

SELLER REALITY

Asking Price

Outstanding Loan Payoff

Seller Closing Costs % (seller pays)

Real Estate Commission % (seller pays)

Seller Equity (before costs)

Seller Net Equity (after costs)

Max Seller Financing Allowed

LOAN & PROPERTY PERFORMANCE

Pro tip: run Base assumptions, then run Stress assumptions. If both pass, the deal is much safer.

Primary LTV %

Interest Rate %

Amortization (years)

Rent / Month

Taxes (monthly)

Insurance (monthly)

HOA (monthly)

Occupancy % (expected avg)

Vacancy Reserve % (of effective rent)

Property Mgmt % (of effective rent)

War Chest % (of effective rent)

Utilities $ (monthly)

DSCR Target

Outputs

Effective Rent (with occupancy)

Mortgage P&I (monthly)

PITIA (monthly)

Fixed Monthly Expenses

Total Monthly Payment

Monthly Cashflow (after expenses)

Yearly Cashflow

DSCR Lender (before expenses)

0.00

DSCR True (with expenses)

0.00

DSCR Check (Lender):

Effective Rent ($0) / PITIA ($0) = 0.00

FAIL

0.00 < 1.25 (Target)

BUYER CASH NEEDED

Buyer Closing Costs %

Origination Fees % (of 1st loan)

Buyer Cash In (out of pocket)

Outputs

Down Payment

Buyer Closing Costs $

Origination Fees $

Buyer Cash Needed Gap

PROPOSED SELLER CARRY (2ND POSITION)

Seller Financing Amount ($ and %)

Seller Note Interest Rate %

Seller Note Amortization (Years)

Balloon Years

Interest-Only Months

Deferred Payment Months

Outputs

Seller Cash at Closing

Seller Note Payment (after IO/deferral)

Offer Summary

Offer Price

Seller Cash at Closing

Seller receives nothing at closing — all equity deferred to note.

Seller Note

No seller financing

Buyer Cash Needed Gap

DSCR Status

FAIL

All-In Monthly Cashflow

Includes 1st position + seller note obligations

All-In DSCR

0.00x

Includes 1st position + seller note obligations

TRANSACTIONAL FUNDING

TF Contribution (defaults to Buyer Cash Needed Gap)

Funding Fee % (default 2.5%)

TF Payback (contribution + fee)

TF Repayment Feasibility:

Seller Financing ($0) ≥ TF Payback ($0)

PASS

SETTLEMENT AT CLOSING

Cash to Seller

Asking Price:$0

Less: Outstanding Loan:($0)

Less: Seller Costs:($0)

Less: Seller Financing (Note):($0)

Buyer Gets Back

EXIT / REFI ANALYSIS

Exit Strategy

Exit Assumptions

Appreciation Rate %

Exit Value

Exit LTV

Refi Closing Costs %

Refi Interest Rate %

Refi Amortization (years)

Projected Taxes at Exit (monthly)

Projected Insurance at Exit (monthly)

Refi DSCR Target

Refi Results (Year 10)

New Loan Proceeds

Refi Closing Costs

Total Payoff at Exit

Cash In/Out at Refi

New Monthly Payment

Post-Refi PITIA

Post-Refi DSCR

0.00

Post-Refi Cashflow

Refi Outcome (Estimate)

Post-Refi DSCR: 0.00x — Below Target

RISK

AMORTIZATION SCHEDULE

Deal Structure Scorecard

Deal Needs Adjustment

2 of 4 applicable checks passing

1st Position DSCRNeeds Adjustment

True CashflowNeeds Adjustment

Seller FeasibilityViable

All-In CashflowViable

TF RepaymentN/A

Exit / RefiN/A