VAZAG INVESTMENT ENGINE

Seller financing deal lab

Structure owner carry, wraparound, subject-to and lease-option terms — then measure them against a bank loan lever by lever.

Subscriber tool

Structure the deal

Price & seller concessions

Seller asking price ($)Negotiated price ($)Down payment (%)Closing-cost credit from seller ($)Repair credit from seller ($)Your closing costs ($)Your initial repairs ($)

Seller note (owner carry)

Interest rate (% / yr)Amortization (years)Balloon due in (years, 0 = none)Interest-only months

Interest-only months come first, then the note amortizes over the remaining schedule. To make the whole note interest-only until the balloon, enter the balloon term in months.

Structure & underlying loan

StructureExisting loan balance ($)Existing loan rate (%)Existing P&I ($ / mo)

Wrap and subject-to deals depend on the existing lender’s due-on-sale clause and state law — have an attorney review before using either.

Lease-option overlay (optional)

Option fee ($)Monthly rent credit ($)Option term (years)Strike price ($, blank = price)

Bank comparison

Bank rate (% / yr)Bank term (years)Bank down (%)Bank points + fees ($)

Bank loans under 20% down include an estimated 0.6% PMI. Seller credits are applied to the seller-financed scenario only.

Performance

Expected rent ($ / mo)Monthly OpEx + escrows ($)Annual appreciation (%)

Your monthly payment

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Balloon due

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Balloon / payoff date

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Total interest on seller note

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Est. value at that date

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Your equity at that date

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Monthly cash flow (month 1)

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Wrap spread to seller

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Discount to asking price

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Seller financing vs. bank — lever by lever

Lever	Seller terms	Bank	Difference

Seller-note schedule

Year	Paid	Principal	Interest	Balance

Estimates for planning only — not financial, tax or legal advice. Actual loan terms, taxes, insurance and market results will differ.

Seller financing deal lab

Structure the deal

Seller financing vs. bank — lever by lever

Seller-note schedule

Lease-option summary