Instant Excel Download — 11 Tabs
Seller Finance Pro — Advanced Excel Calculator for Seller-Financed Deals
Works for any owner-financed structure — seller carry, land contract, or contract for deed.
Everything in Core — plus five advanced tabs for deal makers who go deeper. Balloon modeling, buyer qualification scoring, wrap loan analysis, installment sale tax planning, and a three-way scenario comparison. All in one 11-tab file. Enter once. Analyze everything.
Instant Download * 11-Tab Excel Spreadsheet File * No Subscription Built by an Active Investor
One-time Purchase
$72
Instant Download
No Recurring Fees
Compare Versions
Which Tool Is Right for Your Deal?
All versions run in Excel and Google Sheets. Buy once, use on every deal.
| Free Calculator Free Web-based · No download | Seller Finance Core $27 One-time · Excel file | Most Complete Seller Finance Pro $72 One-time · 11-tab Excel file | |
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Core Deal Analysis 8 features
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| Monthly P&I Payment Instant payment calculation from deal terms | ✓ | ✓ | ✓ |
| Full Amortization Schedule Month-by-month payment, interest, principal, and balance | ✓ | ✓ | ✓ |
| Annual Summary View Year-by-year rollup of principal, interest, and balance | ✓ | ✓ | ✓ |
| Shared Input Engine Enter deal terms once — all tabs update automatically | ✓ | ✓ | |
| Balloon Payment Support Model balloon timing and automatic payoff detection | ✓ | ✓ | |
| Loan Summary Dashboard Effective yield, LTV, total interest, and payoff stats | ✓ | ✓ | |
| Cash vs. Finance ROI Comparison Side-by-side ROI with present value discounting | ✓ | ✓ | |
| Print-Ready Deal Term Sheet One-page summary clean enough for buyers, title, or attorneys | ✓ | ✓ | |
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Advanced Analysis — Pro Only 5 features
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| Balloon & Payoff Modeler Payoff at any month · lump sum · recast · extra payment analysis | ✓ | ||
| Buyer Qualifier Weighted 6-factor scorecard · A–F grade · plain-English verdict | ✓ | ||
| Wrap Loan Analyzer Spread · yield · 30-yr amort · due-on-sale flag · TX compliance | ✓ | ||
| Installment Sale Tax 453 20-yr gain schedule · recapture · lump vs. installment tax comparison | ✓ | ||
| 3-Way Scenario Modeler Compare 3 deal structures side by side · winner flags on every metric | ✓ | ||
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Format & Delivery 5 features
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| Works in Excel & Google Sheets | ✓ | ✓ | |
| No Subscription One-time purchase or free — no recurring charges | ✓ | ✓ | ✓ |
| Instant Access Use online immediately (free) or download after purchase | ✓ | ✓ | ✓ |
| Free Updates New versions included at no additional cost | ✓ | ✓ | |
| Email Support | ✓ | ✓ | |
| Start with the tool that fits where you are. |
Try Free Tool No signup required | Buy Core — $27 Instant download | Buy Pro — $72 Instant download |
What's Inside - Seller Financing Core
The Basics You Need to Model Any Owner Financed Deal
Enter your loan parameters once on the Calculator tab and every other tab updates automatically. No rebuilding formulas, no manual recalculations — just real answers for real deals.
Full Amortization Schedule
Month-by-month payment breakdown for up to 30 years. Shows scheduled payment, extra payment, interest, principal, and running balance for every row.
Annual Summary
Year-by-year rollup of principal, interest, and year-end balance. Rows auto-hide after payoff — clean output for any loan length.
What-If Scenario Planner
Three reverse calculators in one: find your max loan amount, solve for payoff term, or back-solve the required interest rate. Plus a combined view that updates all four outputs at once.
Balloon Payment Scenarios
Compare three balloon timing options side by side. See total payments made, interest paid to balloon, remaining balance due, and total interest cost for each scenario.
4-Way Deal Analysis
The standout feature. Compare Cash Sale vs. Keep Note vs. Sell Note vs. Sell Partial Note across net cash, total deal value, net profit, ROI, and time to full cash. The winner is flagged automatically.
Deal Inputs
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Shared input engine. Enter sale price, down payment, rate, term, balloon date once — every other tab pulls from here automatically. |
How the Seller Financing Calculator Works
From Download to Decision in Minutes
No learning curve. Open the file, enter your deal terms, and let the calculator do the rest.
Enter Your Deal Terms
Input sale price, down payment, interest rate, term, and balloon date into the yellow input cells on Deal Inputs. Everything else updates automatically.
Review the Analysis
Amortization runs. Loan Summary populates. Cash vs. Finance comparison updates live with your numbers.
Make a Confident Decision
Export the Deal Print Summary as a clean one-pager, or use the Cash vs. Finance tab to make a confident exit decision before you commit.
Everything Included With Your Download
The Owner Financing Calculator — One File, Every Deal
A single, professionally built Excel file — no fluff, no upsell, no recurring fee. Everything an investor needs to structure and analyze a seller-financed deal.
- 11-tab Excel calculator — the most complete seller finance analysis tool for independent investors
- All 6 Core tabs included (input engine, amortization, loan summary, cash vs. finance, print summary)
- Balloon & Payoff Modeler — payoff lookup, lump sum, recast, and additional payment analysis
- Buyer Qualifier — weighted 6-factor scorecard with A–F grade and plain-English verdict
- Wrap Loan Analyzer — spread, yield, profit, 30-yr amortization, due-on-sale flag, TX compliance
- Installment Sale Tax 453 — IRC 453 gain schedule, recapture, lump vs. installment comparison
- 3-Way Scenario Modeler — compare three structures side by side with winner flags on every metric
- Yellow guided input cells — no Excel expertise required
- Works in Excel 2016+ and Google Sheets
- Instant digital delivery — download immediately after purchase
Real Estate Edge Pro
Seller Finance Pro Calculator
One-time purchase • No subscription
$72
One-time Purchase
Buy Once, Use on Every Deal
- Standalone file — Core tabs included
- Instant download after purchase
- Works in Excel and Google Sheets
- Free updates included
- Email support included
Secure Checkout • Instant Delivery
All sales are final. If you experience a technical issue, we’ll make it right. See our Refund Policy.
Optional — for visitors who landed on Seller Finance Pro first but want to start cheaper.
Not ready for Pro? Seller Finance Core covers deal structuring — amortization, loan summary, cash vs. finance ROI, and a print-ready term sheet.
Compare Versions
Which Tool Is Right for Your Deal?
All versions run in Excel and Google Sheets. Buy once, use on every deal.
| Free Calculator Free Web-based · No download | Seller Finance Core $27 One-time · Excel file | Most Complete Seller Finance Pro $72 One-time · 11-tab Excel file | |
|---|---|---|---|
|
▼
Core Deal Analysis 8 features
|
|||
| Monthly P&I Payment Instant payment calculation from deal terms | ✓ | ✓ | ✓ |
| Full Amortization Schedule Month-by-month payment, interest, principal, and balance | ✓ | ✓ | ✓ |
| Annual Summary View Year-by-year rollup of principal, interest, and balance | ✓ | ✓ | ✓ |
| Shared Input Engine Enter deal terms once — all tabs update automatically | ✓ | ✓ | |
| Balloon Payment Support Model balloon timing and automatic payoff detection | ✓ | ✓ | |
| Loan Summary Dashboard Effective yield, LTV, total interest, and payoff stats | ✓ | ✓ | |
| Cash vs. Finance ROI Comparison Side-by-side ROI with present value discounting | ✓ | ✓ | |
| Print-Ready Deal Term Sheet One-page summary clean enough for buyers, title, or attorneys | ✓ | ✓ | |
|
▼
Advanced Analysis — Pro Only 5 features
|
|||
| Balloon & Payoff Modeler Payoff at any month · lump sum · recast · extra payment analysis | ✓ | ||
| Buyer Qualifier Weighted 6-factor scorecard · A–F grade · plain-English verdict | ✓ | ||
| Wrap Loan Analyzer Spread · yield · 30-yr amort · due-on-sale flag · TX compliance | ✓ | ||
| Installment Sale Tax 453 20-yr gain schedule · recapture · lump vs. installment tax comparison | ✓ | ||
| 3-Way Scenario Modeler Compare 3 deal structures side by side · winner flags on every metric | ✓ | ||
|
▼
Format & Delivery 5 features
|
|||
| Works in Excel & Google Sheets | ✓ | ✓ | |
| No Subscription One-time purchase or free — no recurring charges | ✓ | ✓ | ✓ |
| Instant Access Use online immediately (free) or download after purchase | ✓ | ✓ | ✓ |
| Free Updates New versions included at no additional cost | ✓ | ✓ | |
| Email Support | ✓ | ✓ | |
| Start with the tool that fits where you are. |
Try Free Tool No signup required | Buy Core — $27 Instant download | Buy Pro — $72 Instant download |
FAQ
Common Questions
Do I need to buy Seller Finance Core separately?
No. Seller Finance Pro is a standalone file — it includes all 6 Core tabs plus the 5 advanced tabs. One purchase, one file, 11 tabs.
Is the Installment Sale Tax tab legal or tax advice?
No. It’s a planning and modeling tool. Run the numbers, understand the landscape, then take it to your CPA. It’s designed to help you ask better questions — not replace professional advice.
Can I upgrade from Seller Finance Core to Pro later?
Yes — email support@realestateedgepro.com and we’ll credit your Core purchase toward Pro.
What if I have a question or need support?
Reach us at support@realestateedgepro.com. We respond within 24 hours Monday through Friday. If you’re experiencing a technical issue with your download or the file itself, we’ll make it right.
Is this a subscription or a one-time purchase?
One-time purchase, $72. No subscription, no renewal, no recurring charge. You own the file.
What's the difference between Core and Pro version?
Core covers deal structuring — amortization, loan summary, cash vs. finance, and a print-ready term sheet. Pro adds 5 advanced tabs: Balloon & Payoff Modeler, Buyer Qualifier, Wrap Loan Analyzer, Installment Sale Tax 453, and 3-Way Scenario Modeler. See Seller Financing Pro.
Ready to Run the Numbers on Your Next Deal?
Every Angle. One File.
$72 once. Advanced seller finance analysis for every deal you’ll ever structure.
One-time purchase, $29. No subscription, no renewal, no recurring charge. You own the file. Free updates are included if we release a new version while you’re a customer.