One house, four ways to win.
When your cash offer is too low for the seller, the conversation doesn't have to end. The Seller Finance / Subto tab in the Strategy calculator lets you model buying on terms, taking over an existing loan, or both, so you can turn a too-low cash offer into terms the seller can say yes to. It turns "no" into "how could we make this work?" and keeps the deal alive.
Why it matters
- Another way to say yes. When cash doesn't work, terms can get the seller closer to their number.
- Negotiate in real time. Use calibrated questions like "How could we make this work if..." and test each answer as you talk.
- See the whole picture. Cash flow, note payments, cash in the deal and returns all update together, so you know what you're agreeing to.
Steps
- In the Deal calculator, scroll to the Strategy calculator and open the Seller Finance / Subto tab.
- Under The hold, enter Rent/mo and All-in acquisition.
- Under Getting in, enter Purchase price, Down payment, Closing costs, Rehab and Arrears/reinstatement.
- Under The note, choose Amortising, Interest-only or No payments, then enter Note amount, Note rate, Amortised over months, Balloon at month, Refi LTV and ARV.
- Click + Loan you take over for an existing mortgage, or + Another note for a second note. Loans are summed.
- Under Operating, fill in the same seven costs as BRRRR: vacancy, maintenance, management, CapEx, taxes, insurance and HOA.
- Review Net cash flow/mo, Note payment/mo, Cash in the deal, Cash-on-cash, Cap rate and Monthly opex.
Good to know
- Balloon at month is required for Interest-only and No payments.
- For an interest-free note, choose Amortising at 0%.
- Run Fetch owner & liens first so you know what loans and arrears you're working with.
- This is not legal advice. Consult a qualified professional for contracts and documents.
- It's a scratchpad. Save the property if you might make an offer.