Seller Financing Calculator Updates - Mid-Loan Principal Paydown
This week’s upgrade: Principal Paydowns in the Seller Financing Calculator. Why? I’m experimenting with creative deal structuring again (aka trying to win deals without just raising my price). Let’s say you’ve got a seller-financed deal with a 10-year note. And in year 3, the seller wants an extra 10% down. Or maybe you want to offer that as an incentive to seal the deal. Now you can bake that into the calculator and instantly see how that affects your cash flows, interest payments, and overall structure. I used this in a live $4M offer where I was doing: - 20% down - 5% interest - 30-year AM - 4-year term And to sweeten the deal, I offered a $400k principal paydown in year 3 plus stepped up the interest to 6% to get the seller more of their money faster. Now you can model that scenario easily in the calculator. Other new things you can now do: ✅ Add mid-note principal paydowns ✅ Change rates mid-note ✅ Toggle interest-only periods ✅ See full breakdowns of loan balances, payments, and cash flows ✅ Experiment with incentives like one-time extension fees or rate step-ups All of this is live now. It's a little more advanced, but gives you way more firepower when negotiating seller finance deals. Check out what the final offer letter looked like in the accompanying picture