Free Seller Financing Calculator
Analyze owner-financing terms, monthly payments, balloon dates, and deal score — in seconds, with AI, completely free.
Tell Freddie about your seller financing deal:
What you get — free
Payment Modeling
Monthly payment calculation for any seller carry scenario — P&I, interest-only, or hybrid.
Balloon Planner
Model 3, 5, and 7-year balloon terms side by side. Know exactly when you need to refi.
Cash-on-Cash Return
True CoC return based on your actual down payment — not full purchase price.
Deal Score 0–100
Freddie scores every deal A–F so you know at a glance whether the terms pencil.
Seller Proposals
Generate a professional proposal PDF to present your offer to the seller.
Free Forever
Core analysis is always free. No credit card. No trial. No catch.
Why the seller wouldn't carry — and how we paid cash for $210K instead
When we found a hoarder house in Northern Virginia, the seller's attorney flat out said no to carrying a note. The property was too distressed, the seller too motivated — they needed clean cash to settle an estate. So we brought hard money, closed fast, and exited via wholetail 30 days later at $349K. No seller financing. No renovation. Just a fast cash acquisition and a clean resale. Here's exactly how it scored.
We sold the property as-is for $349K. The renovation pictured was completed by the buyer who purchased it from us. The $115,050 profit reflects our wholetail exit, not the renovation work.
Freddie scored this deal 100/100. Even without seller financing, the cash acquisition at $210K with a 30-day hold and $349K resale is about as clean as a Northern Virginia deal gets. The lesson: when seller financing isn't available, speed and cash still win.
"Seller financing lesson: the best terms in the world don't matter if the seller won't carry. Know when to pivot to cash — and have the tool to model both options instantly."
Seller Financing FAQ
What is seller financing in real estate?
Seller financing (owner financing) is when the property seller acts as the lender, allowing the buyer to make payments directly to them instead of getting a traditional bank loan. The seller holds the note and deed of trust.
How do I calculate a seller financing deal?
Key inputs include purchase price, down payment, interest rate, amortization period, and balloon payment date. Freddie AI calculates monthly payments, total interest paid, cash-on-cash return, and deal score instantly.
What interest rate is typical for seller financing?
Seller financing rates typically range from 4–8%, often below hard money but above conventional rates. The rate is negotiable between buyer and seller, making it flexible for creative deals.
Is seller financing better than hard money?
For buy-and-hold investors, seller financing often beats hard money because rates are lower, terms are flexible, and there are no origination points. For short flips, hard money may be faster and simpler.
What is a balloon payment in seller financing?
A balloon payment is a lump-sum due at the end of the seller financing term (often 3–7 years). At that point, the buyer typically refinances with a conventional lender. Freddie models balloon scenarios automatically.
Can seller financing work for wholesale deals?
Rarely — wholesale deals are fast cash closes. Seller financing works better for buy-and-hold, BRRRR, or subject-to hybrids where the investor plans to hold the property long enough to justify the note structure.
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