RUReal University · Savvy Winners

The Subject-To Deal Calculator

The five numbers that decide every takeover deal. Type yours in — the verdict updates live. This is the exact first-pass screen we use before any deal goes to a live Deal Review.

Market value (ARV)What it's worth today, fixed up

Loan payoff balanceWhat's still owed on the mortgage

Monthly PITIPrincipal + interest + taxes + insurance

Market rentWhat it rents for monthly

Reinstatement / arrearsBack payments to bring the loan current

Cash to seller (entry fee)

Repairs / deferred maintenance

Closing costsTitle, attorney, TC

Monthly cash flow (net)

$641/mo

Rent − PITI − 15% reserves

Cash to close

$25,900

Reinstatement + entry + repairs + closing

Equity captured

$72,100

Value − payoff − cash in

Cash-on-cash return

29.7%

Annual net flow ÷ cash to close

STRONG — bring it to Deal Review

Cash flow clears $200/mo after reserves and you're capturing real equity. Existing loan sits at 76% of value.

Want this deal underwritten live by people who close?

Join Savvy Winners free — post your numbers in Deal Review and watch the community work them line by line.

Join Free →

Educational estimate only — not legal, tax, or financial advice. The 15% reserve assumption is a screening default; underwrite fully with your attorney and title company before closing.