Creative Finance Calculator

How to use this calculator

Pick a strategy with the switcher at the top — seller finance, subject-to, wrap, or lease option — then enter the terms you’re negotiating. Each structure has its own inputs (a seller note, an existing loan you take over, a wrap over an underlying loan, or an option fee and rent credits) and its own live results, so you can switch strategy and re-run the deal in seconds.

What the metrics mean

• Seller financing — the seller carries the note; you pay them monthly P&I — model cash flow, cash-on-cash, and the balloon.
• Subject-to — take over the existing mortgage payment; capture instant equity with little money down.
• Wraparound (wrap) — carry a larger note to your buyer over your underlying loan and keep the monthly spread.
• Lease option — rent to a tenant-buyer with an option fee and rent credits toward a set strike price.

Frequently asked questions

What creative finance strategies does this calculator cover?

All four of the main structures: seller financing, subject-to, wraparound mortgages (wraps), and lease options. Use the strategy switcher at the top to model each one — each has its own inputs and results.

What is seller financing?

Seller financing (or owner financing) is when the seller acts as the bank — you make monthly payments directly to them under agreed terms instead of getting a traditional mortgage. Rate, amortization, and a balloon are all negotiable.

What is a subject-to deal?

Subject-to means you take over the seller’s existing mortgage payments while the loan stays in their name. You control the property with little money down; this calculator models your payment, cash flow, and the instant equity captured.

What is a wraparound mortgage?

A wrap keeps the seller’s underlying loan in place while you carry a new, larger note to your buyer at a higher rate. You collect the spread between the wrap payment coming in and the underlying payment going out.

What is a lease option?

A lease option rents the property to a tenant-buyer with the right to purchase at a set strike price within a term. They pay an upfront option fee and often a monthly rent credit that applies toward the purchase.

Is this creative finance calculator free?

Yes. The headline numbers for every strategy are free with no login. Enter your email to unlock the full breakdown — balloon balances, equity, spreads, and rent credits.

Structuring creative offers often? dre1mery.com drafts seller-finance and subject-to terms, models each structure, and tracks the deal through close.