Creative Financing Mortgage and Affordability Calculator (Free)
Most mortgage and affordability calculators are designed for fixed-rate bank loans. They break the moment you try to model anything creative. I built this calculator specifically for creative financing of land and homesteads. It is designed to be bookmarked and reused anytime you are evaluating a deal. This calculator supports: • Step-rate payment structures • Subject-to existing mortgages • Seller financing with custom terms • Transitional and blended payment scenarios • Full amortization schedules so you can see exactly what happens over time This is not just about figuring out how to buy more. Creative financing is powerful, and if you are not careful, it is easy to over-leverage yourself. That is exactly why this calculator exists. Instead of asking “What will the bank approve?” it forces the real question: What can you actually afford without putting yourself in a fragile position? You can reverse-engineer deals from income. You can stress-test payments before making offers. You can clearly see when a deal works and when it does not. This tool is part of the system I lay out in my book, but I am sharing it so you can run real numbers on real properties and avoid mistakes that look smart on paper and fail in practice. Bookmark it. Keep it saved. Use it every time you structure or analyze a creative deal. Calculator link :https://calculator.permaresilience.com/