NULLAM PROPERTIES
RE CAL · Creative Finance Analyzer
NULLAM PROPERTIES
Creative Finance Deal Analyzer · RE CAL v14-a
Ready

Enter core property details here. All strategy tabs auto-populate. Override any field within a tab without affecting Master. Drag to reorder cards.

Property Values
Monthly Expenses
Existing Loan(s)
Primary Loan
$0
Primary loan cascades to Subject-To. Hit to add a 2nd, 3rd lien, etc.
Property Data
Type an address up top and tab out — facts and an as-is value estimate fill in, and the CRM lead for that address is created or updated. Any field you type in stays yours.
💡 Fill Master Inputs first. All tabs auto-populate — override any field per-tab. Hit on the loan card to add a 2nd or 3rd lien. Loan type sets smart defaults; all fields remain manually overridable.
Pro Feature
Seller Finance is available on the Pro plan. Upgrade to unlock all 6 creative finance strategies plus PDF export, Sensitivity Analysis, and Shareable Links.
No commitment · Cancel anytime
Total Acquisition
Cash at Close
NOI / Mo
Debt Svc / Mo
Cash Flow / Mo
CoC ROI
Signal
Seller Finance Purchase
$0
$0
$0
$0
0%
Debt Service
Loan 1 — Seller Carry
$0
$0
Loan 2 — Private / 2nd Position
$0
$0
$0
Investment Analysis
Cash-on-Cash ROI
0%
Annual Depreciation
$0
$0
$0
0%
Rent Analysis
$0
$0
$0
0%
$0
$0
$0
$0
$0
0%
Value Analysis
0%
$0
$0
$0
Pre-Stabilization Hold Costs
$0
$0
Profit & Loss Analysis
($0)
$0
$0
$0
$0
$0
Cash Flow Analysis
$0
$0
$0
$0
0.00x
Rate Sensitivity Analysis
How does monthly cash flow change if Loan 1 rate shifts? Useful for negotiating seller carry terms.
IRR Analysis
Projected IRR for a hold-to-sell strategy. Uses cash at close, annual CF, and ARV as exit value.
$0
$0
$0
10-Year Cash Flow Projections
Pro Feature
Subject-To analysis is available on the Pro plan. Upgrade to unlock all 6 creative finance strategies.
No commitment · Cancel anytime
Total Acquisition
Cash at Close
NOI / Mo
Debt Svc / Mo
Cash Flow / Mo
CoC ROI
Signal
Subject-To Purchase
$0
$0
0%
Debt Service
Existing Loan (Assumed SubTo)
$0
$0
$0
2nd Position Loan
$0
$0
$0
$0
Investment Analysis
Cash-on-Cash ROI
0%
Annual Depreciation
$0
$0
$0
0%
Rent Analysis
$0
$0
$0
0%
$0
$0
$0
$0
$0
0%
Pre-Stabilization Hold Costs
$0
$0
Profit & Loss Analysis
($0)
$0
$0
$0
$0
$0
Cash Flow Analysis
$0
$0
$0
$0
0.00x
IRR Analysis
Projected IRR for a hold-to-sell strategy. Uses cash at close, annual CF, and ARV as exit value.
$0
$0
$0
10-Year Cash Flow Projections
Value Analysis
0%
$0
$0
$0
Pro Feature
The 1% Rule / Buy & Hold analyzer is available on the Pro plan. Upgrade to unlock all 6 creative finance strategies.
No commitment · Cancel anytime
All-In Price
Buyer's Price (MAO)
Offer to Seller
NOI / Mo
Cash Flow / Mo
CoC ROI
Signal
Whiteboard Formula
($0)
$0
$0
$0
$0
0%
Class A÷ 1.0%
Class B÷ 1.5–2.0%
Class C÷ 2.5–3.5%
Debt Service
Basis = All-In Price — end buyer finances purchase + repairs.
$0
$0
$0
$0
$0
Full Expense Analysis
$0
$0
$0
0%
$0
$0
$0
$0
Pre-Stabilization Hold Costs
$0
$0
Profit & Loss Analysis
($0)
$0
$0
$0
$0
$0
Cash Flow Analysis
$0
($0)
$0
$0
0.00x
Value Analysis
0%
$0
$0
$0
Investment Metrics
Cash-on-Cash ROI
0%
Annual CF
$0
Total Cash Invested
$0
Day-1 Equity
$0
GRM, DSCR & Depreciation
$0
0.0x
0.00x
$0
$0
10-Year Cash Flow Projections
All-In Number
Buyer's Price
Offer to Seller
Flipper Profit
ROI on Cash
Annualized ROI
Signal
Fix & Flip Inputs
Class A70–75%
Class B65–70%
Class C55–65%
Whiteboard Formula
$0
0%
$0
($0)
$0
($0)
$0
Flipper's Gross Margin
$0
($0)
$0
Debt Service
$0
$0
$0
$0
($0)
$0
Holding & Selling Costs
($0)
($0)
$0
($0)
Profit & Loss Analysis

Interest inside Hold+Sell — not double-counted. Loan Points are a separate one-time fee.

$0
($0)
($0)
($0)
($0)
($0)
$0
Investment Metrics
Total Cash Invested
$0
Net Profit
$0
ROI on Cash
0%
Annualized ROI
0%
Gross Margin
$0
Offer Summary
$0
$0
$0
$0
0%
0%
Sensitivity Analysis
How do MAO, All-In, and Net Profit change as ARV or Repair cost shifts? Green = profitable, yellow = thin, red = loss.
ARV Sensitivity
Repair Cost Sensitivity
IRR Analysis
IRR = annualized return on cash invested vs. net sale proceeds. Accounts for time value of money across the hold period.
$0
$0
0
Pro Feature
Novation analysis is available on the Pro plan. Upgrade to unlock all 6 creative finance strategies.
No commitment · Cancel anytime
Market Price
Offer to Seller
Wholesaler Profit
Investor Profit
Total Net
Signal
Novation Formula: Current Market Price × Soft Costs % = Soft Cost Amount → Market Price − Soft Costs = Net → Net − Assignment Fee = Offer to Seller. No title transfers to you.
Deal Inputs
Soft Costs (broken down)
$0
$0
Profit Split
Whiteboard Formula
$0
0%
($0)
$0
$0
$0
$0
$0
($0)
$0
0%
Debt Service
Model any bridge financing during the listing period, or the projected end buyer's mortgage to verify deal viability.
Bridge / Holding Financing (if any)
$0
$0
Projected Buyer's Mortgage
$0
$0
Profit Analysis
$0
($0)
$0
($0)
$0
($0)
Two-Party Profit Split
$0
$0
$0
Deal Metrics
Wholesaler Profit
$0
Investor Profit
$0
Total Soft Costs
$0
Soft Cost %
0%
Deal Summary
$0
$0
$0
$0
$0
$0
💡 If you sourced this deal yourself, set Wholesaler Fee = $0. Your total Assignment Fee becomes your investor profit. If working with a deal finder, the split is shown transparently.
Pro Feature
BRRRR analysis is available on the Pro plan. Upgrade to unlock all 6 creative finance strategies plus the Hybrid Deal Builder.
No commitment · Cancel anytime
Buy Mode
All-In Cost
Refi Loan
Cash Out
Cash Left in Deal
Cash Flow / Mo
CoC ROI
Signal
BRRRR Strategy: Buy → Rehab → Rent → Refinance → Repeat. The goal: pull as much cash back out at refinance while still owning a cash-flowing rental.
Whiteboard Formula
BRRRR uses the 1% Rule to find All-In Price, then derives the down payment, PITI, cash flow, and CoC return.
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$0
$0
PITI Monthly Breakdown
$0
$0
$0
$0
Cash Flow & Returns
$0
($0)
$0
$0
0%
DSCR on Refi Loan
$0
$0
0.00x
Buy & Rehab
Acquisition
$0
$0
$0
$0
Rehab
($0)
$0
Refinance (Refi)
$0
$0
$0
$0
$0
$0
$0
0%
Rent Analysis
$0
$0
$0
0%
$0
$0
$0
$0
Custom Line Items
$0
Rehab Hold Cost Breakdown
$0
$0
Profit & Loss Analysis
($0)
$0
$0
$0
$0
$0
Cash Flow Analysis
$0
($0)
$0
$0
0.00x
10-Year Cash Flow Projections
Sensitivity Analysis
How do refi proceeds and cash flow change with ARV or refi rate shifts? Critical for understanding your downside.
ARV Sensitivity (HM Mode)
Refi Rate Sensitivity
IRR Analysis
BRRRR IRR models cash out at refi as a partial return, then annual cash flows, then equity at exit. Accounts for time horizon and capital recycling.
$0
$0
$0
$0
Pro Feature
Strategy Comparison and Hybrid Deal Builder are available on the Pro plan. Upgrade to compare all 6 strategies side-by-side.
No commitment · Cancel anytime
Strategy Comparison
Snapshot of current inputs across all 6 strategies. Switch to any tab, edit, then refresh.
Click ↻ Refresh or switch to this tab to generate the comparison from current inputs.
🔀 Hybrid Deal Builder
Fix & Flip vs BRRRR on the same property — with best-exit recommendation.
Click ↻ Refresh to generate the Hybrid comparison. Make sure you've entered inputs on the Fix & Flip and BRRRR tabs first.
⭐ Upgrade to RE CAL Pro
Unlock all 6 strategies · PDF export · Sensitivity Analysis · Shareable Links · Hybrid Builder
Monthly
$29
per month · cancel anytime
Annual · Save 28%
$249
per year · $20.75/mo