Wholesale. Sub-To. Wrap. Flip. Hold.
One verdict. The lever that fixes it. The words to say.
5
Strategies Modeled
5
Seller-Finance Levers
200+
Terms Defined
$0.01
Loan Math Precision
DSCR
1.31x
Cap Rate
7.4%
CoC Wrap
24.7%
Monthly CF
$847
Equity
32.4%
LTV
67.6%
Monthly Spread
$1,247
Annual Spread
$14,964
Spread Return
24.7%
Next: Lock the numbers and make the offer.
How Abacus Decides
Then the lever that fixes the deal, and the words to say to the seller.
This doesn't work at these terms. It works at different ones.
DSCR: 1.08The case
The property earns $21,400 NOI.
The risk
DSCR is 1.08 against a 1.20 floor. The debt costs $19,800 a year.
The lever
Reduce the rate: Clears a 1.20 DSCR at your asking price.
Next: Say this: “Your price works for me. The rate doesn't. At 6.25% instead of 7.50%, I can close at your number.”
Deterministic templates: same numbers, same words, every time. Demo figures shown.
A failed gate beats a good score. The verdict names the number holding it back.
Solves the price, rate, amortization, or down payment that clears your DSCR target.
Five seller-finance asks as phone scripts, built from the deal's numbers. Plus your next move.
Every metric carries its formula and inputs. Loan math rounds to the cent.
33 scoring bands in Settings. DSCR floor, margin on ARV, LTV ceiling. Yours to set.
Every Tool in the App
From first offer to portfolio.
WMAO, MAO, AS-IS formula, 100-point SoftVet, Buy Price Calculator.
Actual P&I, wrap spread, back-end profit, wrap IRR, balloon refinance check.
NOI, DSCR, cap rate, after-vacancy cash flow, total return with paydown.
Net profit, margin on ARV, rehab-to-ARV gate, annualized CoC.
Set your local line-item prices once. Every estimate pushes into the deal.
Bed, bath, sqft, pool, lot, traffic-graded adjustments. ARV cross-validation.
Sub-To plus three loans. Amortization, Debt Intelligence, Wrap Back-End, Lever Engine.
13 source presets, outlier detection, one-tap push to ARV.
Pick your state and county. The rate and monthly taxes fill in from published county and state rates, tax year shown — an underwriting estimate, not your exact bill. Covers Arizona, California, Florida, Georgia, Maine, Maryland, North Carolina, South Carolina, Texas, Utah, and Wyoming.
DSCR, loan constant, cap rate, total return, break-even, CoC, equity, LTV.
Entry costs, finance costs, cash to close, surplus or deficit.
Deal cards, combined monthly cash flow, total portfolio ARV.
200+ terms, ARV to wrap IRR, defined in plain English.
Product Preview
Every strategy, every metric, and the verdict — on one page. No spreadsheet gymnastics.
Not another generic calculator. Purpose-built for creative finance.
Built in the trenches of South Florida creative finance
Sub-To, wraps, flips, holds, wholesale — the strategies you actually run
Every number shows its formula. Loan math to the cent. No black boxes.
“Abacus started as the 16-tab spreadsheet I used to underwrite my own deals. I rebuilt it as an app, audited every formula against the original, and I still run my numbers through it before every offer I make.”
Kenya — Founder, NewLife Enterprises
Creative finance investor · Miami, FL
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