Underwrite creative deals in minutes.
Local-first underwriting for creative finance : subject-to, seller carry, wraps and conventional blends.
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123 Maple Ave
Wrap
Seller Carry
SubTo
Seller Carry
Wraps
Assumables
Seconds
Refi Events
Portfolio DSCR
SubTo
Seller Carry
Wraps
Assumables
Seconds
Refi Events
Portfolio DSCR
Your deals stay yours — no leaking
Local-first We don’t store your data. Everything runs in your browser. Export/Import backups on your terms.
Read-only sharing Share a link when you choose — recipients can view schedules, not change your numbers.
Offline-friendly Model on a plane or at a seller appointment. No sign-in required to get value.
Underwrite 5–10× faster
Spreadsheets
Fragile formulas & version drift
Copy-paste errors kill confidence
Slow to compare strategies
No portfolio rollup
Equity Builders
Battle-tested amortization + balloons
Instant DSCR, NOI, spread & equity
Side-by-side scenarios with save/load
Portfolio metrics by deal type
What you can do with Equity Builders
Track real equity Monthly principal paydown across notes, conservative value inputs, and live LTV.
Run projections Custom horizons, rent & expense growth, debt service held constant or refinanced at milestones.
See balloon risk Exact balloon month, payoff amount, and cash needs — no surprises.
Compare strategies Wrap vs SubTo vs Conventional vs Seller Carry — side-by-side DSCR, NOI & cash-on-cash.
Export everything One-click CSV/XLSX for amort tables, pro formas, and portfolio rollups.
Win the offer Seller-friendly visuals, transparent math, and terms you can defend.
Projections
Model outcomes over your own horizons.
Stress-test rent growth, expense creep, and refinance events. See cash flow, DSCR, and equity stack year by year — then export to share.
Custom years 1–10 yrs with one click.
Refi scenarios Change rate, term, LTV on refinance.
Sensitivity Quickly vary rent & expense growth.
Creative finance compounds faster
Leverage favorable notes
Assume low-rate debt or structure seller carry to reduce monthly service and boost DSCR from day one.
Flexible capital stack
Blend wraps, seconds, and balloons to match the property’s cash flow profile instead of forcing a bank box.
Equity growth + cash flow
Capture spread, amortization, and value add. Model the flywheel — not just month 1.
“This replaced three janky sheets. I can defend my offer in five minutes.”
— J. Patel, Operator
“Balloon clarity is 🔥. I know exactly when and how much to refi.”
— M. Lewis, Investor
“The portfolio rollup finally gives me confidence pitching private lenders.”
— A. Kim, Syndicator
Make offers with conviction
Precise balloons Exact balloon timing per note shows on charts and in amort tables.
Transparent math Payment, interest, principal and balance flows laid out month by month.
Lender-ready exports One-click CSV/XLSX for amort tables and portfolio rollups.
Questions?
We’re local-first, offline-friendly, and export-heavy. See how we handle data, balloons, and DSCR in the FAQ.
The Equity Builders Network
A private community for deals, capital & collaboration — scripts, calculators, term sheets, structure reviews, and access to private lenders, wholesalers, investors, agents & operators.
Underwrite your next creative deal — privately
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