Monthly payment breakdown

Total monthly
$0
    $
    DSCR Ratio
    —
    Add rent to see DSCR.
    Ideal: 1.25x
    1% rule
    —
    Add price & rent.

    Amortization schedule

    Loan amount
    $0
    Total interest paid
    $0
    Total cost of loan
    $0
    Payoff date
    —
    As of —
    Principal paid
    $0
    Interest paid
    $0
    Total payments made
    $0
    Loan balance
    $0
    Principal paid
    Interest paid
    Loan balance

    House hacking deal planner

    Dial in the numbers for a small multifamily purchase, see what living in one unit looks like, and plan for your eventual refinance.

    Estimated cash needed to close

    Down payment plus closing and title costs.

    Total cash to close $0
    Down payment $0 (0%)
    Closing + title costs $0 (0%)
    Seller credit (applied) $0 (0% off CC)

    Don't forget the FHA 203k!

    %
    %
    $
    $
    %
    $

    While you occupy a unit

    Assumes you live in the selected unit and rent out the others.

    Rent collected
    $0
    Reserves & extra expenses
    $0
    Mortgage + escrows
    $0
    Monthly out of pocket
    Before reserves + extra exp. $0
    After reserves + extra exp. $0

    Refi & move out plan

    Project what happens when you refinance, move out, and rent every unit.

    $
    %
    %
    yrs
    $
    Monthly rent (all units)
    $0
    New payment + escrows
    $0
    Vacancy & maintenance
    $0
    Cash flow after refi
    Before reserves + extra exp. $0
    After reserves + extra exp. $0
    Loan balance at refi
    $0

    —

    New loan amount
    $0

    Value × LTV

    Equity & cash-out math

    New value − current loan = equity

    Value − balance = equity

    New loan − current loan − refi costs = cash-out

    New loan − balance − refi costs = cash-out

    Projected equity at refi
    $0
    Estimated cash-out
    $0
    Cash invested upfront
    $0
    Cash-on-cash (while occupying)
    0%

    Break-even refi valuation

    Target valuation needed to walk away with $0 cash-out.

    Valuation needed $0

    —

    (Loan bal. + est. closing costs)
    Gap vs. current estimate
    $0 —

    —

    Curr est. val. − valuation needed

    Cash-Out Refinance Calculator

    Evaluate a BRRRR-style refinance, keep tabs on cash requirements, and stash scenarios for later.

    Deal basics

    Loan & lender guidelines

    Annual expenses & carrying costs

    Property address

    —

    Initial Loan Structure

    Purchase price
    $0
    Initial purchase loan
    $0

    Purchase price − down payment

    Repair budget loan
    $0
    Total outstanding loans
    $0

    Minimum loan amount needed is $0

    Initial down payment
    $0
    Total loan fees
    $0
    Estimated total cash to close
    $0

    —

    Loan-to-Cost (LTC)
    0%

    Initial purchase loan ÷ purchase price

    Kiavi wants at or below 85%

    Loan-to-Value (LTV)
    0%

    Total loans ÷ ARV

    Kiavi wants at or below 65%

    Refinance Analysis

    New loan amount
    $0

    —

    Maximum cash-out available
    $0
    Repair budget savings
    $0

    Budget − actual

    New loan less outstanding
    $0
    Repair savings − est. cash to close
    $0

    —

    Cost of deal
    $0

    Max cash-out − cash to close

    Breakeven point
    0.0 months (0.0 years)

    —

    Monthly Payment Breakdown

    Total monthly payment
    $0

    Principal & interest: $0 · Property tax: $0 · Insurance: $0 · Property management: $0 · Other expenses: $0

    Cash Flow Analysis

    Expected monthly rent
    $0
    Monthly cash flow (before utilities)
    $0
    Expected monthly utilities
    $0
    Monthly cash flow (after utilities)
    $0
    Annual cash flow
    $0

    Fix and Flip Analysis

    Gross profit (if not refinancing)
    $0

    (ARV − total loans − cash to close) + repair savings

    Realtor commission
    $0

    —

    Holding costs
    $0

    Monthly cost × holding period

    Monthly cost
    $0
    Net profit after commission & holding
    $0

    —

    ROI on deal
    0%

    —

    Rehab estimate

    Pair a quick sqft-driven budget with the “pirate” system check ($10k hits) to get a gut-check range for repair costs.

    sqft
    Light rehab $20 / sqft
    Mid rehab $30 / sqft
    Bad / gutted $40 / sqft
    Fire damaged $50 / sqft
    Major system hits ($10k each)
    Repair estimate range
    $0 to $0

    Enter sqft + condition to get rolling.

    Sqft model $0 / sqft
    $0

    —

    0 sqft $0 / sqft
    HVAC +$10k Electrical +$10k Plumbing +$10k Roof +$10k Foundation +$10k
    Max's Method
    Light Rehab Under 1,500 sqft
    $0

    Pick a condition and sqft to highlight the chart.

    HVAC Electrical Plumbing Roof Foundation

    Itemized Repair cheat sheet

    Click items to build an itemized repair list and tweak amounts as needed.

    Total selected: $0
    Itemized repair list

    Select repairs above to build a quick list.

    Total $0

    Novations calculator

    Line up ARV, rehab, and soft costs so you can anchor the novation conversation without scrolling.

    Need more detail?
    Novations Calculator
    ARV

    (After-Repair Value, based on comps)
    $
    Sell Fast Percentage

    This one is recommended to be 90% of the ARV
    %
    Sell Fast Price

    Price according to the previous percentage
    $0.00
    Estimated Repair Value
    $
    Commissions

    All agent-related commissions%, including your broker
    %
    		$0.00
    Closing Costs

    Closing costs % of the sell fast price
    %
    		$0.00
    Target Profit
    $
    Maximum Allowable Offer

    Maximum offer to the seller to lock up the target profit
    $0.00

    Seller Financing Calculator

    Working backwards like the Pace Morby method.

    Only if No Mortgage on Home! Working backwards

    Part 1 · MAMO Calculator (Income & Expenses)

    $
    $
    Monthly: $0
    $
    Monthly: $0
    15%
    %

    15% = 5% vacancy + 5% maintenance + 5% CapEx.

    Maximum Allowable Monthly Offer (MAMO) $0

    Absolute max P&I the rents can support.

    Monthly taxes $0
    Monthly insurance $0
    Reserve factor $0

    Part 2 · Deal Structurer (The 5 levers)

    $
    Current: $0
    $
    %
    Down: $0 Share: 0%
    %
    Rate: 0%
    yrs
    yrs
    Actual monthly payment (principal & interest) $0

    Based on price minus down payment and the loan terms.

    Loan amount $0
    Amortization 30 yrs
    Balloon No balloon

    Part 3 · Analysis Dashboard

    Monthly cash flow $0 MAMO minus actual payment.
    Cash-on-cash return 0% Annual cash flow ÷ down payment.
    To keep this deal cash flowing at $0, your max purchase price at 0% interest is $0.

    Seller TradeOffs

    In wholesale real estate, the classic “Good, Fast, Cheap” triangle becomes the Price · Speed · Convenience triad. You can still only pick two.

    Pick any 2

    What do you care about most?

    Tap a third option to swap it in. Only two switches stay active at once.

    Pick any two levers to see what sellers gain and what they sacrifice.

    Creative finance

    Subject-To deal playbook

    Map the existing note, reserves, and your exit spread in one fast screen.

    ⚠️ Verify the mortgage statement

    Confirm balance, arrears, escrow shortages, and if taxes or insurance are impounded before you lock the deal.

    Step 1

    Property & loan details

    Capture what you're taking over from the seller.

    $
    $
    %
    yrs

    Step 2

    Monthly holding costs

    Taxes, insurance, and HOA layered on top of the inherited note.

    Principal & interest $0
    All-in PITI + HOA $0
    $ /mo
    %

    Enter monthly taxes or the annual tax rate (% of purchase price).

    $ /mo
    $ /yr

    Enter monthly HOI or the annual premium.

    $ /mo

    Step 3

    Rent & operating reserves

    Dial in what the property really nets after vacancy, CapEx, and management.

    $
    %
    15% of rent

    15% = 5% vacancy + 5% maintenance + 5% CapEx.

    Operating reserves $0
    Net rent after reserves $0

    Step 4

    Cash to bring the seller

    Everything you must wire before any wholesale or assignment spread.

    $
    $
    $
    $

    Total entry fee

    Rehab + equity + arrears + closing
    $0
    $

    Deal snapshot

    Cash flow outlook

    Annualized numbers keep you honest about the opportunity.

    Cash-on-cash return 0% Enter deal costs
    Monthly cash flow $0
    Annual cash flow $0
    Cash needed to close $0
    Net rent after reserves $0

    Exit plan

    Wholesale / partner economics

    Layer the assignment fee to show partner-friendly returns.

    Price to buyer (entry + assignment) $0
    Buyer annual cash flow $0
    Buyer cash-on-cash 0%
    Cap rate vs purchase price 0%
    Dial in the assignment to judge demand

    Market Insights

    Pull market analytics for any ZIP and turn it into investor-friendly talking points.

    No market data loaded yet.

    Sales max 26 mo · Rentals max 48 mo

    Enter a ZIP code and fetch the latest sales + rental story for that market.

    Listing Comps

    Tap into AVM / comps data for a quick ARV check without leaving the extension.

    Auto-populates from the cash-out view when available.
    Run comps to see nearby sales.

    Saved deals

    Capture scenarios you like, add a quick label and address, and revisit them whenever you open the extension again.

    0 homes Auto-fills from current deal + RentCast / HUD data

    Total properties

    0 Auto-fill ready

    Avg. cash flow

    $0 Needs input

    Total invested

    $0 0 property saved

    Portfolio CoC

    0% Add rent + expenses
    No homes saved yet. Capture your first one above.

    MAO / LAO Offer

    Plug your ARV, rehab assumptions, and wholesale fee to instantly see the max allowable offer plus low-ball guardrails.

    Need ARV or rehab info?
    $
    $
    $
    Defaulted to $15k — adjust if your target fee changes.
    • (Zach puts $0 here, then use that LAO)
    %
    83% for $300,000+ ARV
    80% for $200,000-$300,000 ARV
    75% for $120,000-$200,000 ARV
    70% for $120,000 or below ARV
    %
    3% standard (single agent)
    6% typical (both sides - seller pays no comm.)
    6–10% premium (high agent incentive)
    Maximum allowable offer
    $0

    MAO = ((ARV - Repairs) × MAO percentage) – Wholesale Fee

    Exp. Exit Price if Sold at MAO
    $0

    = ((ARV - Repairs) × MAO %)

    Low allowable offer target
    $0

    Targeting 70% of MAO for your LAO anchor.

    70%

    Slide between 95% and 40% of MAO depending on how firm you need to be.

    Offer ladder

    Review 95% through 40% of MAO to plan concessions.

    Percent of MAO Offer Discount vs. MAO

    Double Close Calculator

    Track the A→B and B→C closings, transactional funding, and profit in one place.

    Two escrows No assignment exposed
    Estimated profit
    $0

    Profit = (Price C − Price A) − Total fees

    Spread (C − A)
    $0

    Before closing + funding costs

    Double close fees
    $0

    Txn A closing, Txn B closing, funding

    Transactions & fees

    Dial in each side of the deal plus your lender costs.

    Title transfer + insurance

    Transaction 1 · Seller → You (A→B)

    $
    %
    $
    Title, escrow, transfer taxes

    Transaction 2 · You → Cash Buyer (B→C)

    $
    %
    $
    Title transfer + insurance for B→C
    %
    Using DoubleClose.com · min $750 + $100 processing on Txn 1 funds
    $
    Double escrow, courier, misc.
    6%
    Quick set:
    0–10% slider. Default 6% assuming we pay seller-side commission.

    Fee breakdown

    Know exactly what eats into your spread.

    • Txn 1 closing costs

      —

      $0
    • Txn 2 closing costs

      —

      $0
    • Transactional funding fee

      —

      $0
    • Extra flat fees

      Anything not covered above

      $0
    • Agent commission

      6% of resale price

      $0
    Total double close fees

    Sum of all closing + funding costs

    $0
    Double close profit formula

    Profit = (Purchase Price C − Purchase Price A) − (Closing Costs A + Closing Costs B + Transactional Funding Fee + Agent Commission)

    • Txn 1 (A→B): Seller to wholesaler with title transfer + insurance.
    • Txn 2 (B→C): Wholesaler to cash buyer with the second HUD.
    • Transactional fees: Double escrow fees, transfer taxes, and funding charges.
    Typical cost guardrails
    • Closing costs often 2–3% of each purchase price.
    • Transactional funding typically 1–2% of the loan amount (or flat).
    Execution checklist
    • Confirm funding timeline so Txn 2 wires repay Txn 1 same day.
    • Coordinate both HUDs—seller never sees Price C.
    • Budget for duplicate doc prep, recording, and courier costs.

    As-Is Offer Calculator

    Calculate your offer price based on as-is property value using the wholesale formula.

    AS-IS VALUE

    $
    $
    $
    $
    Average
    $0
    EXIT 0%
    $0
    GROSS WHOLESALE FEE
    $0
    MAX BUY 0%
    $0
    OFFER PRICE 0%
    $0

    AS-IS FORMULA SCALE

    Edit values below to customize the formula. Changes persist until reset.

    AVE. VALUE % EXIT PROFIT % OFFER
    Under $100k % $ %
    101k - $200k % $ %
    $201k - $300k % $ %
    $301k - $400k % $ %
    $401k - $500k % $ %
    over $500k custom

    HUD/Section 8 Calc

    Size payment standards, max rent, and tenant share inside the extension.

    HUD toolkit

    Client Information

    Voucher basics drive the payment standard selection.

    Enter a ZIP to load the latest SAFMRs.

    Family Income

    Automatically converts to adjusted annual and monthly income.

    $
    $
    Adjusted annual income $0
    Monthly income $0

    Rent & Utilities

    • Contract rent plus any tenant-paid utilities.

    • DYOR: Call the local HUD office to confirm the utility allowance and FMR.

    $
    $
    $
    Auto-filled from the FMR grid.
    $0
    Formula: Max affordable rent - utilities.

    Small Area FMR Reference (2026)

    Select a unit size or toggle the 20% exception payment.

    Affordability Analysis

    • Blends the 30/40 rule, payment standards, and utility allowance.
    • Max affordable rent = payment standard + 10% of monthly income (40% cap).
    Gross rent $0
    Max affordable rent $0
    Family share (40% max) $0
    Rent exceeds standard $0

    Payment Breakdown

    Clarity for tenants, PHAs, and landlords.

    👤

    Tenant Pays

    Total out-of-pocket
    Rent to landlord $0
    +
    Utilities $0
    Total family share $0
    🏠

    Landlord Receives

    Combined rent collected
    Total contract rent $0
    from tenant $0
    from program $0
    🏛️

    Program Pays

    Paid directly to landlord
    Housing assistance $0

    Tenant Payment to Landlord

    Contract rent $0
    +
    Utility allowance $0
    Gross rent $0
    Tenant pays
    30% adjusted income $0
    +
    Rent exceeds standard $0
    =
    Total family share $0
    -
    Utility allowance $0
    Tenant rent $0

    Assistance Payment to Landlord

    Contract rent $0
    -
    Tenant rent $0
    Housing assistance $0

    Basic Ol' Calculator

    Nothing to show yet.

    Type a math prompt below (phrases like “two times eight” work) and hit enter.

    Click any equation or answer to append it to the bar. Use “@” to pull your last answer or simply start with ^, +, -, * or / to keep chaining.

    Settings

    Tab Order

    Drag tabs to rearrange within each group, or move tabs between Main Tabs and View More. You can pin up to five Main Tabs; on touch devices, use Tap to Reorder to swap tabs or fill the extra slot.

    Main Tabs (Up to 5)

    View More Tabs

    Account

    MAO / LAO Offer Calculator

    Calculate the Maximum Allowable Offer (MAO) and Least Acceptable Offer (LAO) for investment properties. Free offer calculator for wholesalers and investors.