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Get full access to Owner Financing Note Calculator with all features included.
In Development
Owner Financing Note Calculator is currently in development and not yet available for purchase — for investors or sponsors. Pricing will be published when the app launches.
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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.
Should You Carry the Note?
Calculate your seller yield, note value, and total returns in seconds.