INVESTOR TOOL

Buyer Deal Analyzer

Review the numbers before you move forward with your next Subject-To takeover. Enter your deal assumptions to estimate cash flow, cash-on-cash return, equity at close, and stress-test the deal.

Deal Assumptions

Purchase Price ($)

Estimated Current Market Value ($)

Used to estimate equity — separate from purchase price.

Existing Mortgage Balance ($)

The existing first mortgage being taken over.

Monthly PITI Payment ($)

Includes principal, interest, property taxes, and insurance.

In-Place Interest Rate (%)

Market Rent / Mo ($)

Total Cash Required

Cash to Close ($) — total upfront cash

Include everything you'll pay upfront: cash to seller, assignment fee, closing/title, past-due cure, liens, initial repairs, and initial reserves.

Cash Required at Closing—

Total Initial Cash Required—

Financing Details (optional)

Second Mortgage Balance ($)

Second Mortgage Payment / Mo ($)

Seller-Finance Balance ($)

Seller-Finance Payment / Mo ($)

Other Secured Debt ($)

Other Secured Payment / Mo ($)

Existing Loan Remaining Term (mo)

Rate Type

Balloon Amount ($)

Balloon Due Date

Monthly Expenses

Other Operating Expenses / Mo ($)

Aggregate monthly expenses (maintenance, mgmt, HOA, utilities, etc.). Vacancy is assumed included.

Estimates are for planning only and are not guaranteed outcomes. Actual cash flow, returns, and equity depend on the property, loan terms, title, and market conditions.

Estimated Results

Monthly Cash Flow (after reserves)Information Needed

Annual Cash FlowInformation Needed

Cash-on-Cash ReturnInformation Needed

Equity at CloseEnter market value to estimate equity.

Total Initial Cash RequiredInformation Needed

Break-Even Monthly RentInformation Needed

Source: Buyer Estimate. Figures are estimates for planning only and are not guaranteed outcomes.

Rental strategy verification required: This analysis may produce income, but it cannot be recommended until HOA and local rental restrictions are verified. Long-term, short-term, seasonal, and rent-by-room strategies each carry separate HOA, zoning, licensing, and occupancy rules that must be confirmed before proceeding.

Strategy Comparison (optional)

Compare rental strategies sharing the same acquisition & financing. Leave a strategy disabled if you don't have its income assumptions — incomplete strategies are never invented.

Save This Analysis With a Coordinator

Enter your contact details to route this analysis to a coordinator with matching opportunities.

Full Name *

Email *

Phone *

Target Market / Cities

I consent to be contacted by Subto Sell about buyer opportunities and matching takeover deals via email, phone, and SMS. My information is kept confidential. I may opt out at any time. Marketing follow-up begins only after this consent is captured.