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
⠿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 — property facts and a market-value / ARV reference load, and the CRM lead for that address is created or updated. The AVM never fills AS-IS value; any fact you type 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. Enter the loan's actual rate and term.
⭐
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
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Cash at Close
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NOI / Mo
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Debt Svc / Mo
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Cash Flow / Mo
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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%
⠿Value Analysis
0%
$0
$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
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⠿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
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Cash at Close
—
NOI / Mo
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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%
⠿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
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⠿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
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Buyer Price — Ceiling
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Offer to Seller
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NOI / Mo
—
Cash Flow / Mo
—
CoC ROI
—
Signal
—
⠿Whiteboard Formula
$0
($0)
$0
NOI pricing is more conservative than the gross-rent 1% screen.
—
$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
⠿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
⠿Flipper Financing

New investor debt, not the seller’s mortgage. Advances are funded upfront; undrawn rehab funds need a draw schedule. Cash pays any unfunded repairs.

$0
$0
$0
($0)
$0
$0
$0
$0
$0
$0
$0
$0
$0
⠿Selling Costs & Financing Carry
$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
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⠿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 estimates all budgeted cash as paid upfront and net sale proceeds at exit. Actual payment and rehab-draw timing can change the return.
$0
$0
0
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⭐
Pro Feature
Novation analysis is available on the Pro plan. Upgrade to unlock all 6 creative finance strategies.
No commitment · Cancel anytime
Market Price
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Offer to Seller
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Wholesaler Profit
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Investor Profit
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Total Net
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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
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
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⠿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 ⓘ
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All-In Cost
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Refi Loan
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Cash Out
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Cash Left in Deal
—
Cash Flow / Mo
—
CoC ROI
—
Signal
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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
Income-based pricing uses NOI ÷ class rate. Cash flow and returns use the entered purchase, financing and full rental expenses.
$0
$0
$0
PITI Monthly Breakdown
$0
$0
$0
$0
Cash Flow & Returns
$0
($0)
$0
($0)
$0
$0
0%
DSCR on Refi Loan
$0
$0
0.00x
⠿Buy & Rehab
Acquisition
$0
$0
$0
$0
Rehab
0
($0)
$0
⠿Refinance (Refi)
$0
$0
$0
$0
$0
$0
$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
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⭐
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
📍 Comps → ARV