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Seller Financing Deal Structure

Build a seller-financed deal from carrying cost analysis through payment scheduling and cash flow validation.

4 Steps 25 min Advanced
1
Step 1 — Understand carrying costs
True Cost of Ownership

Calculate annual property taxes and carrying costs to understand the baseline before structuring financing terms.

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2
Step 2 — Structure buyer/seller terms
Seller Financing

Define the deal terms — purchase price, down payment, interest rate, term length, and balloon payment structure.

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3
Step 3 — Build the payment schedule
DSCR Loan Calculator

Generate a complete amortization analysis showing principal, interest, and debt service coverage for each payment period.

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4
Step 4 — Validate deal economics
Cash Flow Calculator

Confirm the property generates positive cash flow under the seller-financing terms you structured.

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💡 Key Insight

Balloon payment timeline must align with your exit strategy. Ensure you have a clear refinance or sale path before the balloon comes due.

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