Live structure review · Aug 25, 2026

Engineer the terms, not just the price.

Compare seller-finance structures against the underlying note, test rental and open-market exits, and translate the winning path directly into addendum language.

- - Seller finance · rent · sell

ULN monthly P&I

ULN full monthly housing cost

ULN payoff at cutoff

ULN interest by cutoff

Client Setup

Name the deal, set the portal access, and publish from one place.

Property / deal label Buyer / client name Seller name Portal slug Portal title Hero image URL Portal headline Portal intro text Client last-four PIN Advisor last-four PIN

Client portal URL

Not generated yet

Paste a hero image link, set the two 4-digit PINs, then publish directly from here.

Client dashboard

Open a saved client, continue the scenario work, and keep a high-level snapshot visible.

01 · Deal Foundation

Client, underlying note, and contract timing

Client & Property

Keep the legal and financial context visible.

Buyer / client name Seller name Property address Property / deal label Servicer / note reference

Underlying Loan Note

Baseline debt this structure must safely cover.

Outstanding ULN balance ULN interest rate

ULN amortization term

months

Remaining ULN term

months

ULN start date ULN first payment date Known ULN monthly P&I Monthly escrow on ULN Monthly HOA on ULN Monthly PMI on ULN

Contract Timing

Keep the payment and payoff dates in sync.

Seller-finance contract start Buyer first payment date Scenario cutoff / payoff date

Contract Variables

Core terms that shape the deal file and addendum.

Contract type Monthly payment due day Seller closing costs Buyer closing costs Late after

days

Late charge amount Escrow / servicing setup Special contract notes

02 · Structure Lab

Seller finance, rental hold, and market sale paths

Scenario 1

Seller-finance scenarios

Scenario 2

Rent the home

Suggested list rent Rental comp low Rental comp mid Rental comp high Expected range low Expected range high Security deposit Screening income target Vacancy reserve

Management fee

Monthly maintenance reserve Monthly capex reserve Owner-paid utilities Other rental expenses

Scenario 3

Sell on the open market

Opinion of value Support range low Support range high Suggested list price Estimated closing date Projected sold price Average days on market Average sold-to-list

Agent commission

Calculated commission amount Seller concession Seller closing costs Repair / prep costs

03 · Clause Engine

SellerFinanceVariables selections

04 · Comparison

Three paths, one clear signal

Three Path Comparison

Compare seller finance, rental hold, and open-market sale side by side.

Scenario comparison

Best monthly coverage and spread rise to the top.

05 · Coverage & Spread

Monthly payment coverage vs. ULN

Client

Live review

Keep the structure snapshot visible while comparing outcomes.

ULN P&I

Anchored in the hero for quick scan.

ULN full monthly housing cost

Includes escrow, HOA, and PMI when applicable.

ULN payoff at cutoff

Tracks payoff pressure on every path.

Payoff and interest spread

Payoff due to seller versus payoff due by seller at the cutoff date.

Monthly payment coverage

How much room the seller has each month after covering the ULN.

06 · Schedule

Amortization preview

Amortization schedules

See the opening years without turning the experience into a spreadsheet.