Pay Points or Save Cash? Know Before You Close.
Compare buydown costs vs. savings for every rate option your lender offers. Calculate payback periods, rate of return, and cumulative cash flow over 30 years.
What You Get
Everything you need, built for real estate investors.
Purchase Rate Buydown
Compare multiple rate/cost pairs from your lender, calculate PAR rate, and find the optimal buydown strategy.
Refinance Analysis
Roll buydown costs into your new loan and compare savings vs. your current payment and the PAR rate.
Rate of Return
See simple and compound interest returns at 5, 10, 15, 20, 25, and 30-year milestones for every scenario.
Simple, Transparent Pricing
Choose the plan that works for you.
Monthly
- Purchase & Refinance modes
- Unlimited analyses
- PAR rate calculator
- Rate of return at 6 milestones
- Extra down payment comparison
- 30-year cumulative cash flow charts
- Property pre-fill integration
- All future updates
Yearly
- Purchase & Refinance modes
- Unlimited analyses
- PAR rate calculator
- Rate of return at 6 milestones
- Extra down payment comparison
- 30-year cumulative cash flow charts
- Property pre-fill integration
- All future updates
Monthly
- Everything in Individual plan
- Pay for client access
- Share with unlimited clients
- Branded experience
- Priority support
Yearly
- Everything in Individual plan
- Pay for client access
- Share with unlimited clients
- Branded experience
- Priority support
Features and pricing are subject to change as we continue to improve the product.
How It Works
Enter Lender Rates
Input the rate/cost pairs from your lender's rate sheet for a purchase or refinance.
Calculate PAR & Compare
The tool finds your PAR rate and calculates payments, savings, and payback for every option.
Pick the Best Rate
See 30-year projections, ROI, and charts to choose the rate that maximizes your return.
Explore Features
Dive deeper into what each feature offers.
Purchase Rate Buydown
Compare multiple rate/cost pairs from your lender to find the optimal buydown for a purchase.
Learn more →Refinance Rate Buydown
Analyze refinance buydown options with costs rolled into the new loan.
Learn more →Rate of Return Analysis
See the true investment return of paying points at 5, 10, 15, 20, 25, and 30-year milestones.
Learn more →Why Investors Choose This Tool
Find Your PAR Rate
Automatically interpolate the PAR rate from your lender's rate sheet. No more guessing where zero-cost falls.
Visualize 30 Years
See cumulative cash flow and remaining balance charts for every rate option over the full loan term.
Make Data-Driven Choices
Replace gut feelings with payback periods, ROI percentages, and side-by-side comparisons.
See Every Rate Option Side by Side
Sample analysis for a $300,000 loan with 9 rate options from a lender.
Ready to Optimize Your Rate?
Compare every buydown option from your lender and find the rate that maximizes your return.