Subject-To Deal Analyzer

Existing Mortgage (Subject-To)

Existing Mortgage Balance

Monthly Mortgage Payment

Existing Interest Rate

The rate you're inheriting

After Repair Value (ARV)

Acquisition Costs

Seller Back Payments Covered

Moving Costs / Seller Incentive

Bird Dog Fee + Closing Costs

Rehab / Renovation Costs

Private Money Lender (if used)

Private Money Amount

Leave 0 if using own cash

Private Money Rate (annual)

Hold Period (months)

Selling Costs (agent + closing)

Typically 8–10% of sale price

Total All-In Cost
—
incl. assumed mortgage

All-In % of ARV
—
target: under 65%

Estimated Net Profit

—

after all costs

Private Money Interest

—

total for hold period

Full Cost Breakdown

Assumed Mortgage Balance	—
Seller Back Payments	—
Moving Costs / Seller Incentive	—
Bird Dog + Closing Costs	—
Rehab Costs	—
Private Money Interest	—
Selling Costs	—
Total All-In	—

Due on Sale Risk

Not financial or legal advice. Subject-to transactions carry real risks including the due-on-sale clause. Always consult a real estate attorney before executing any subject-to deal.