No. Create a cloud account with invite code EQUITY — no card required.
Can I switch plans anytime?
Yes. Upgrades apply immediately; downgrades take effect at the end of your current period.
Do you offer refunds?
If something breaks, reach out and we'll make it right. We aim to be fair.
Privacy & Data
Is my data stored in the cloud?
Local‑first by default. Numbers live in your browser's storage. If you opt into a cloud account, your data is stored on this origin behind your login. You control exports and shares.
Can I use it offline?
Yes. Once loaded, the app works offline. For a better experience, choose Install App to add it as a PWA.
How do backups work?
Use Export backup to save an encrypted file you can import on any device. You can also export CSV/XLSX for your tables.
Modeling & Math
How do you calculate DSCR?
DSCR = Net Operating Income ÷ Annual Debt Service. We compute NOI from your rents minus operating expenses (ex‑debt) and divide by total annualized payments across all active notes for the selected period.
How are balloon payments handled?
Each note's schedule tracks exact maturity month and remaining principal. The model surfaces the payoff at that month and includes it in cash‑needed summaries and projections.
Can I model refi scenarios?
Yes. Create a refinance event with a new rate, term, and LTV. You can hold debt service constant or re‑amortize based on the new note.
Do you support multiple notes (wraps, seconds)?
Yes. Stack wraps, seconds, and seller carry alongside assumable or conventional debt. Portfolio metrics roll up by deal type.
Sharing & Exports
Can I share a deal without letting people edit it?
Yes. Share a read‑only link so recipients can view schedules and charts but can't change your numbers.
What export formats are available?
CSV on Free; XLSX and PDF on Pro/Team. Exports include amortization, pro formas, and portfolio rollups.
Can I brand exports?
Team supports brandable XLSX/PDF templates (logo, colors, disclaimers).
App & Support
Which browsers are supported?
Latest Chromium‑based browsers and Safari. We recommend keeping your browser up to date for the best local‑first performance.
How do I get help?
Ask in the community or email support. Pro/Team users can add priority support; we respond same‑day during business hours.
Is this financial advice?
No. Equity Builders is a modeling tool. Always conduct your own due diligence and consult professionals as needed.
Didn’t find it? Check pricing or reach out in the community — we’re friendly.