One property, three structures, side by side.
Enter the house once. See subject-to, seller finance and hybrid against each other — cash to close, monthly debt, cash flow after reserves, DSCR, cash-on-cash, and the principal the terms pay down in five years.
The same engine runs on the submission side. When you send me a deal, this is the math it gets.
The property — entered once
Existing loan — for sub-to and hybrid
Seller paper — for seller finance and hybrid
Subject-to
Take over the loan; the seller leaves their whole equity in and carries it
- Cash to close
- $39,400
- Existing loan / mo
- $579.69
- Seller carry / mo
- $644.71
- Total debt / mo
- $1,224.40
- Cash flow / mo
- -$411.90
- DSCR
- 0.66
- Cash-on-cash
- -12.5%
- Equity at close
- $50,600
- Principal paid, 5 yrs
- $20,414
Rent is unverified. A Zillow estimate is a guess, not a comp — get one real rent comp.
Seller finance
Seller carries the whole price on a note
- Cash to close
- $49,400
- Existing loan / mo
- —
- Seller carry / mo
- $1,327.34
- Total debt / mo
- $1,327.34
- Cash flow / mo
- -$514.84
- DSCR
- 0.61
- Cash-on-cash
- -12.5%
- Equity at close
- $50,600
- Principal paid, 5 yrs
- $27,314
Rent is unverified. A Zillow estimate is a guess, not a comp — get one real rent comp.
Hybrid
Take over the loan, pay some equity in cash, seller carries the rest
- Cash to close
- $49,400
- Existing loan / mo
- $579.69
- Seller carry / mo
- $581.50
- Total debt / mo
- $1,161.19
- Cash flow / mo
- -$348.69
- DSCR
- 0.70
- Cash-on-cash
- -8.5%
- Equity at close
- $50,600
- Principal paid, 5 yrs
- $19,775
Rent is unverified. A Zillow estimate is a guess, not a comp — get one real rent comp.
Vacancy 8%, management 8% and capex 9% are held back before the cash flow line — 25% of rent in total, the same reserve rule used everywhere else here. Cash to close includes a 2% closing cost estimate and the rehab. “Principal paid” is debt paydown over 60 months, not appreciation — I am not going to credit a deal for a market move that has not happened.
Have one that works on terms?
Send it with the rent and the existing loan details. Creative terms get first look, every time.
Send the deal