Proposal Builder

Title

Description

Structure Type

Asking Price

Purchase Price

Max Closing Cost Contributions

Capital Gains Rate

Closing Cost

Seller's Agent Commission Rate

Buyer's Agent Commission Rate

Original Purchase Price

Insurance

Tax

HOA

Other

Net Operating Income

Upfront Interest Rate

Owner Financed Interest Rate

Owner Financed Amount

Amortize Term

Total Term

Target DSCR

Outright Sale

$150,000.00 with buyer obtaining traditional loan

Total Net To Seller

Unable to service debt

Purchase price Contingent on appraisal¹	$150,000.00
Agent commission 3% to seller's agent, and 3% to buyer's agent²	-$9,000.00
Closing costs Split between buyer and seller, up to $5,000.00 paid by buyer	-$2,000.00
Due to seller at closing	$139,000.00
Capital gains owed³	-$4,500.00
Net to seller at closing	$134,500.00

* Net operating income is not able to service debt

¹ Conventional loans require an appraised amount less than or equal to the purchase amount
² An outright sale will include the cost of the buyer's agent
³ Capital gains cannot be avoided in a conventional sale

* I am not an accountant, or a tax attorney, these numbers are solely for the purpose of illustration.
* These calculations assume "Married Filing Jointly" tax status, and an original purchase price of 80% of the asking price.
* Capital gains tax is typically 15% for those who are not exempt. Calculations assume minimal income for the current year, resulting in an overall tax bracket of 15%.