Carry the Note. Earn the Yield.
Model the complete financial picture of carrying a seller-financed note. Calculate monthly income, seller yield (IRR), note market value, and compare against selling outright — with amortization schedules, balloon modeling, and 10-year income projections.
What You Get
Everything you need, built for real estate investors.
Note Payment Calculator
Enter sale price, down payment, rate, and term to instantly calculate monthly income. Toggle balloon payments to see how shorter terms with lump-sum payoffs change your cash flow and total return.
Seller Yield & IRR Analysis
See your true annualized return from carrying the note. The IRR calculation accounts for the timing of all cash flows — down payment, monthly payments, and balloon — giving you the real yield, not just the stated interest rate.
Carry vs. Sell Comparison
Should you carry the note or sell outright for cash? Compare net proceeds from a cash sale against total income from carrying the note, including the time value of money. See exactly when carrying the note becomes more profitable.
How It Works
Select a Property
Choose from your existing properties. Sale price, value, and existing mortgage details auto-populate from your property data.
Set Note Terms
Enter interest rate, amortization period, term length, and down payment. Toggle balloon payments and set prepayment penalties.
Analyze the Note
View monthly income, seller yield (IRR), note market value, carry vs. sell comparison, and full amortization schedule with 4 interactive charts.
Explore Features
Dive deeper into what each feature offers.
Note Payment Calculator
Enter sale price, down payment, rate, and term to instantly calculate monthly income. Toggle balloon payments to see how shorter terms with lump-sum payoffs change your cash flow and total return.
Learn more →Seller Yield & IRR Analysis
See your true annualized return from carrying the note. The IRR calculation accounts for the timing of all cash flows — down payment, monthly payments, and balloon — giving you the real yield, not just the stated interest rate.
Learn more →Carry vs. Sell Comparison
Should you carry the note or sell outright for cash? Compare net proceeds from a cash sale against total income from carrying the note, including the time value of money. See exactly when carrying the note becomes more profitable.
Learn more →Why Investors Choose This Tool
Instant Income Modeling
See monthly income, total interest, and seller yield the moment you enter your note terms — no spreadsheet needed.
Visual Cash Flow Analysis
Four interactive charts show payment breakdown, cumulative income, note balance over time, and carry vs. sell comparison.
Compare Before You Commit
Side-by-side carry vs. sell analysis with present value calculations so you know exactly which option puts more money in your pocket.
Sample Owner-Financed Note
$350,000 sale, 20% down, 7.5% rate, 20yr amortization, 7yr balloon
Should You Carry the Note?
Calculate your seller yield, note value, and total returns in seconds.