TermsCalc™ — Creative Finance Deal Analyzer

TermsCalc™

Analyze a terms deal in the time it takes the seller to pour coffee.

The Four Levers

Purchase price

Monthly payment out

Down payment

Term (months)Balloon horizon / option term

Interest rate (%/yr)0 = principal-only note

Amortization (months)Leave blank if same as term

Existing loan balance (optional)

Entry Costs

Back payments / arrears

Closing costs

Insurance setup

Repairs

Operating

Monthly rent collected

Payment includes taxes & insurance (escrow)

Exit — Lease Option

Option price to tenant-buyer

Secured Option Deposit (%)Target range 5–10%

TermsCalc is analysis software, not legal, tax, or investment advice. Verify every figure against source documents — the mortgage statement, the tax assessor, and your attorney. Results depend entirely on the numbers you enter.