Free Calculators for
Creative Real Estate Finance

Run the numbers on BRRRR deals, subject-to acquisitions, lease options, and seller finance — all free, no signup, plain-English results.

Start with the BRRRR Calculator →
No account needed  ·  Works in any browser  ·  Instant results
What Is Creative Finance?
Creative financing means buying real estate without a traditional bank loan — or with less cash down. These are the four strategies this site covers:
BRRRR
Buy · Rehab · Rent · Refi · Repeat
Buy distressed, fix it up, rent it out, refinance to pull your cash back out, then do it again.
Sub-To
Subject-To Existing Financing
Take over the seller's existing mortgage — keep their rate and terms without getting a new loan.
L/O
Lease Option
Control a property with a lease plus the option to buy at a set price within a set time frame.
SF
Seller Finance
The seller acts as the bank — you make payments directly to them instead of a lender.
All Free Calculators
Enter your numbers and get a plain-English verdict on whether the deal works — and why.
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BRRRR Calculator
Enter your purchase price, rehab cost, ARV, and refi amount to see your cash-on-cash return and how much money you get back after the refinance.
Most Popular
💵
Cash-on-Cash Return
Know your annual return on the cash you actually invested — the most important number for any buy-and-hold real estate deal.
Investor Favorite
🔑
Subject-To Analyzer
Enter the existing loan terms and rental numbers to see your equity pickup, cash flow, and whether the deal makes sense before you make an offer.
Free
📋
Lease Option Calculator
Model your profit under three scenarios — tenant exercises their option, you assign the contract, or the option expires. Know your upside before you sign.
Free
🤝
Seller Finance Calculator
Calculate the monthly payment on any seller-financed deal — including balloon payments — so you know exactly what you're agreeing to before you close.
Free
🔗
Wrap Mortgage Calculator
Calculate the interest rate spread, monthly cash flow, and seller yield on a wrap mortgage deal. See exactly how much the seller earns on the spread.
New
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Creative Finance Glossary
Plain-English definitions for every term you'll encounter — BRRRR, ARV, subject-to, lease option, cap rate, DSCR, and more. Searchable and filterable.
Reference
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Simple. Fast. Plain English.
No finance degree required — these tools explain the math as they calculate it.
1

Enter the Deal Numbers

Purchase price, rehab cost, rent, existing loan terms — whatever the deal requires. No complicated inputs.

2

Get Instant Results

Cash-on-cash return, equity pickup, monthly cash flow, and more — calculated instantly in your browser.

3

Read the Verdict

Every result includes a plain-English explanation of what the numbers mean — and whether you should do the deal.

Why CreativeFinanceCalc.com?

Most real estate calculators online are built for conventional buy-and-hold investors using bank loans. Creative finance deals — BRRRR, subject-to, lease options, seller finance — have completely different math. These tools are built specifically for investors who need to analyze creative deals fast, understand how much cash is actually at risk, and make confident offers. Every result is explained in plain English, not spreadsheet jargon.

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