Note Investing Tools
Price, buy, and manage mortgage notes with the same math institutional buyers use.
Note Yield Calculator
Enter price paid, UPB, rate, and remaining term — get your yield to maturity, total profit, and discount from face value. The first number every note buyer needs.
Partial Purchase Calculator
Model buying the next X payments of a note: the price at your target yield, the seller's residual value, and how the investor/seller split works over time.
Discounted Note Pricing Tool
Work backwards from your target yield to a maximum purchase price — with balloon support, servicing-cost netting, and a yield sensitivity table for the bid stage.
Note ROI with Workout Scenarios
Compare reperformance, foreclosure, deed in lieu, and note resale side by side — with state-by-state foreclosure timeline and legal cost estimates built in.
Amortization Schedule Generator
Full schedules with irregular events: missed payments, extra principal, lump sums, rate changes, and balloons. CSV export included. A free TValue-style engine in your browser.
ITV / LTV / Equity Coverage Calculator
Due-diligence ratios for note buyers: investment-to-value, LTV and CLTV, equity cushion, and net liquidation coverage with a color-coded risk read.
Real Estate Crossover Tools
Where property deals and note math meet — seller financing, creative finance, and rentals.
Seller Financing Structurer
Structure an owner-financed note from sale price and down payment — and see what that note would actually sell for on the secondary market today.
Cash Sale vs. Carry the Note
An after-tax, time-value comparison of taking a cash offer today versus seller-financing — with simplified installment-sale (Form 6252) tax treatment modeled year by year.
Subject-To / Wrap Calculator
Analyze wraparound mortgage spreads: monthly cash flow, rate spread, equity spread, balloon payoff netting, and effective yield on cash invested.
DSCR & Rental Property Analyzer
DSCR the way lenders actually compute it (rent ÷ PITIA) plus true NOI-based DSCR, cash-on-cash, cap rate, and breakeven rent targets.
About These Tools
Every calculator on this site uses standard monthly-periodic mortgage math — the same present-value and rate-solving methods (Newton–Raphson with bisection fallback) used by institutional note buyers and desktop tools like TValue. Each tool's page includes a worked example with real numbers and a plain-English explanation of the formulas, so you can verify every result by hand.
Everything runs entirely in your browser. Nothing you enter is sent to a server, stored, or tracked.