Excel Spreadsheets

By entering in some basic details, this spreadsheet will generate a payment schedule for the entire life of your investment. The Owner Financing Amortization Schedule also allows you to set a balloon payment date for your note and can estimate payments for notes with terms up to 50 years. You’ll be able to see the impact of the payments on principal balance, and how much of each payment is interest, taxes, and insurance.

If you’re selling your property with owner financing, then this spreadsheet is the tool you need for structuring your deal. By plugging in the taxes, insurance, sale price and length of the note into this spreadsheet, you’ll be presented with a full matrix of payments for interest rates between 5.5-8.0%, and down payments between 0-20%. At a glance, you’ll be able to see what interest rate you can offer based on your buyer’s down payment and still get a monthly cash flow from the property.