Every term is negotiable.
Model them all in seconds.
Rate. Amortization. Down payment. Balloon. Move any of the four levers and watch the monthly payment, total interest, and balloon balance update instantly — for both the buyer and the seller.
Every term is negotiable
Bank loans come in fixed configurations — you take what you're offered. Seller financing is the opposite. Every variable is on the table, and tiny shifts can move tens of thousands of dollars between buyer and seller. The Deal Structurer lets you rehearse the negotiation before you walk in.
The four levers
Rate, amortization, down payment, balloon. Pull any one and the whole deal moves.
Interest Rate
The seller wants yield. The buyer wants a low payment. The rate is where they meet.
Amortization
A 30-year schedule keeps the buyer's payment low. A 20-year schedule pays the seller back faster.
Down Payment
More cash up front means a smaller note, smaller payment, and a more comfortable seller. Less down means more leverage for the buyer.
Balloon Term
The exit clock. A 5-year balloon means the buyer must refi or sell sooner. A 10-year balloon hands the seller a longer income stream but more risk.
The balloon, explained
Most seller financing notes don't run the full 30 years. The balloon is the line in the sand — refinance, sell, or settle the remaining balance.
The buyer must come up with $276,000 by month 84 — usually by refinancing into a conventional loan once the property has seasoned, or by selling. The Deal Structurer flags this risk and lets you stress-test what happens if rates rise before then.
A complete deal, end to end
Here is the full structured output for the canonical $385K scenario.
Inputs
- Purchase price$385,000
- Down payment$77,000 (20%)
- Note amount$308,000
- Interest rate6.0%
- Amortization30 years
- Balloon term7 years
Outputs
- Monthly P&I$1,847
- Bank loan @ 7%$2,050
- Buyer monthly savings+$203
- Total interest (7 yr)$123,148
- Balloon balance Yr 7$276,000
- Seller effective yield8.2%
Why investors use the Deal Structurer
Iterate in seconds
Move a slider, see the answer. No spreadsheet recalculation, no broken formulas.
Compare to a bank loan
A live side-by-side against a conventional investor mortgage at the same loan amount and term.
Stress test the balloon
See exactly what the buyer owes at the balloon date so you can plan the refinance or exit.
Save per property
Each scenario is attached to a property in your library. Reload it next month after talks resume.
Guide mode commentary
Plain-English narration on every tab explains what each metric means and what to do if it looks off.
Both sides at once
Every term change updates the seller view too — so you never propose something only one party can love.
Explore More Features
See everything Seller Financing Deal Structurer has to offer.
Dual Perspective Analysis
See the deal from both buyer and seller viewpoints simultaneously with side-by-side metrics.
Learn more →Amortization & Tax Analysis
Full amortization schedules with installment sale tax impact and note marketability scoring.
Learn more →AI Contract Review Pipeline
Analyze promissory notes, deeds of trust, and security agreements with a 5-step AI pipeline: plain English, risks, obligations, negotiation playbook, and executive brief.
Learn more →Structure your next seller-financed deal
Plug in your scenario, move the four levers, and walk into the negotiation knowing exactly which terms hold up for both sides.
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