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You found it. This hidden educational tool models a Sub-To or Seller Financing deal — and auto-generates the resulting capital stack so you can see whether a zero-down structure actually holds together. Educational only. Not lender-issued qualification.
Educational diagnostic only. Not financial, tax, legal, or lending advice. Creative-finance structures — particularly Sub-To — carry due-on-sale, insurance, tax, and title risks. Always consult a real estate attorney and licensed transaction professionals before executing a deal.

DSCR/SubTo/SellerFin Analyzer

Enter a Sub-To or Seller Financing deal on the left. The Capital Stack — Leg 1 (senior debt), Leg 2 (junior/seller carry), transactional funding, and buyer cash-in/out at close — renders live on the right as you type.

Sub-To: buyer takes title, seller's existing mortgage stays in place. Leg 1 = existing lien. Any remainder is either seller carry (Leg 2), transactional funding, or buyer cash.

Pre-Closing (Deal Structure)

These fields define what the seller and buyer agree to before title transfers.

$
$
%
yrs
$
%
$
%
$
$
$

Post-Closing (Seller Note)

Seller Financing Amount is auto-calculated from Purchase Price minus 1st-position minus buyer cash minus transactional funding.

$
yrs
%
yr
$

Cashflow (Operating)

$
%
%

Exit Assumptions

%
$
$
%

Capital Stack — Live

Feasible

Cash-Back to Buyer at Close

$0

Positive = you leave the table with cash. Negative = you bring cash to close.

DSCR (Yr 1)

—

Cash-on-Cash

—

Equity at Close

—

Exit Refi Proceeds

—

Verdict

Enter your deal on the left. The Capital Stack Structurer will surface Leg-1 / Leg-2 feasibility, DSCR, cash-back, House-of-Cards risk, and exit refinance proceeds live.

Line ItemAmountNotes

Year-by-year principal, interest, and ending balance for every debt layer in the stack. Reflects your current inputs live. Use to test balloon timing, sensitivity to rate changes, and equity build-up from principal paydown.

Combined Debt Service & Equity Build by Year
YrTotal PaymentInterestPrincipal PaydownRemaining DebtEst. Equity

Est. Equity assumes property value grows at the appreciation rate below. This is a projection, not a guarantee.

%
IntelliTC Solutions — Educational Analytics. This tool is not a lender pre-qualification, credit decision, or investment recommendation. Sub-To transactions may trigger due-on-sale, insurance, tax reassessment, and title-warranty risks. Seller-financing structures may require SAFE Act licensing and Dodd-Frank compliance depending on jurisdiction. Always work with a licensed real estate attorney and CPA before executing a creative-finance deal.