Free Calculator

Free Creative Finance Underwriting Calculator

Analyze subject-to deals, seller financing, and owner finance opportunities instantly. Built by real estate investors for real estate investors.

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What's Included

  • Subject-to deal analyzer with cash flow projections
  • Seller financing calculator with amortization
  • Owner finance offer generator
  • ROI and cash-on-cash return calculations
  • Exit strategy comparison tool
  • Deal funding requirements estimator
  • Maximum allowable offer (MAO) calculator
  • Monthly payment breakdown analyzer

Built by Investors, For Investors

This isn't another generic spreadsheet. It's the exact calculator we use to analyze creative finance deals every day.

Save Hours on Every Deal

Stop doing math manually. Input your numbers once and get instant analysis across multiple exit strategies.

How the Calculator Works

Analyze any creative deal in under 60 seconds

1️⃣

Input Property Details

Enter purchase price, repairs, ARV, and existing mortgage details

2️⃣

Choose Your Strategy

Select subject-to, seller finance, or owner finance structure

3️⃣

Get Instant Analysis

See cash flow, ROI, and maximum offer amount automatically

Perfect For These Deal Types

Analyze any creative finance structure

🏠

Subject-To Deals

Calculate cash flow when taking over existing mortgages

💰

Seller Financing

Structure win-win deals with custom payment terms

📊

Owner Finance Sales

Maximize profit by becoming the bank for buyers

🔄

Wrap Mortgages

Layer financing to create positive cash flow spreads

Stop Losing Deals to Bad Math

Get your free calculator and start analyzing deals like a pro

100% free • Instant download • No credit card