| Period | Rate | Payment (P&I) | Monthly Savings |
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Buydown funds are typically a seller or builder concession held in escrow and applied monthly. Payment shown is principal & interest only. Buyer must qualify at the full note rate.
NOI = rent minus vacancy and operating expenses (before the mortgage). Cap rate = NOI \u00f7 price. Cash-on-cash = annual cash flow \u00f7 total cash invested. Total return adds year-one principal paydown. Estimates for analysis only.
Other expenses: utilities, maintenance, management, reserves — as a % of gross income.
*Cash to Close = down payment + closing costs estimated at 5.5% of purchase price (commercial standard: origination, title, legal, third-party reports). NOI = rents minus vacancy, taxes, insurance, and other expenses.
Closing costs vary by lender, program, and county. Reserves may be required in addition. Get an exact Loan Estimate from Ronald in 24 hours.
Simplified comparison: equity = appreciation + principal paydown minus estimated selling costs. Excludes taxes, insurance, maintenance, and tax benefits. For the full picture, run the client through the Pro Calculator.