Seller Carry-Back Calculator
Calculate seller financing with carry-back notes and second mortgages.
Purchase Structure
$350,000
$70,000 (20%)
Financing Structure
Down
1st
Seller
Down: $70,0001st: $210,000Seller: $70,000
First Mortgage (Bank Loan)
Monthly Payment$1,468
Seller Carry-Back Note
Monthly Payment$350
Balloon Payment (Year 5)$70,000
Rental Income
Seller Note Amortization (First Year)
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $350 | $0 | $350 | $70,000 |
| 2 | $350 | $0 | $350 | $70,000 |
| 3 | $350 | $0 | $350 | $70,000 |
| 4 | $350 | $0 | $350 | $70,000 |
| 5 | $350 | $0 | $350 | $70,000 |
| 6 | $350 | $0 | $350 | $70,000 |
| 7 | $350 | $0 | $350 | $70,000 |
| 8 | $350 | $0 | $350 | $70,000 |
| 9 | $350 | $0 | $350 | $70,000 |
| 10 | $350 | $0 | $350 | $70,000 |
| 11 | $350 | $0 | $350 | $70,000 |
| 12 | $350 | $0 | $350 | $70,000 |
Combined LTV: 80%
1st Mortgage LTV: 60%
Monthly Payments
First Mortgage$1,468
Seller Note$350
Total Payment$1,818
Cash Flow Analysis
Monthly Rent$2,800
Total Payments-$1,818
Expenses-$500
Monthly Cash Flow$482
Returns
Annual Cash Flow$5,780
Cash-on-Cash Return8.3%
Total Interest (1st)$318,606
Total Interest (Seller)$21,000
Your Cash Investment
$70,000
20% down payment
Need the First Mortgage?
We can help with DSCR loans for investment properties.