VAZAG INVESTMENT ENGINE

Mortgage & ROI calculators

These calculations run entirely in the browser in this static build. They are the foundation for the production VAZAG financial engine.

Mortgage / amortization

Loan type Loan amount Annual interest % Term (years) Extra monthly principal Original property value PMI enabled Mortgage insurance type PMI annual rate % PMI fixed monthly amount PMI removal method PMI removal LTV % PMI removal date Annual property tax Annual insurance Monthly HOA First payment date

Payment #	Date	Total Payment	Principal	Interest	PMI	Escrow / HOA	Balance

Seller-financing deal analyzer

Model the negotiated note itself, including down payment, seller note, interest-only periods, amortization, balloon maturity, credits, closing costs, servicing, and optional existing debt for wrap/subject-to structures. This is a financial model, not a legal document.

Deal structure Purchase price Down payment Seller note amount Security / collateral Taxes & insurance responsibility Note servicing Seller interest % Amortization (years) Note term / balloon (years) Interest-only period (months) Payment frequency Seller credit / concessions Buyer closing costs Initial repairs / improvements Existing underlying loan balance Underlying rate % Underlying monthly payment First payment date Prepayment penalty Late fee per missed payment

#	Date	Payment	Principal	Interest	Underlying Debt	Net Seller Cash	Note Balance

Rental ROI / cash flow

Monthly rent Other monthly income Vacancy % Monthly operating expenses Monthly debt service Total cash invested Property value Annual appreciation % Current loan balance