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Home Exit · Free Tools for Homeowners & Property Owners

Know what your home
or property is worth
before anyone else does.

Eight free tools for homeowners, multifamily owners (2–2,000 units), and residential investors thinking about a sale, seller financing, or creative exit structure. No agent required to use them.

What most sellers never calculate in advance
Average agent commission on home sale
5–6%
Primary residence cap gains exclusion (MFJ)
$500,000
Extra income from seller financing a $600K note at 7%/15yr
$370K+
Cost to use all eight Home Exit tools
$0
$500K
Primary residence exclusion for married couples filing jointly
25%
Max depreciation recapture rate on investment property
2–2,000
Unit range the Multifamily Portfolio Exit Planner covers
$0
Cost to use all eight tools — no agent, no signup required
Eight free tools

Everything a homeowner or property owner needs
before any listing conversation.

Each tool is free, requires no signup, and gives you real numbers based on your actual situation — not generic estimates. Built for the seller, not the buyer or the agent.

✓ Start Here
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Tool 01
Home Sale Net Proceeds Calculator
The most important number most sellers never calculate before listing. Enter your sale price, mortgage balance, commission rate, and closing costs. See the check that actually clears — after all deductions and taxes including the primary residence exclusion.
Calculate my net proceeds →
⭐ Most Popular
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Tool 02
Seller Finance Strategy
Carry the note instead of selling for cash. See your monthly income, total interest over the term, installment sale tax savings, and net comparison vs. a cash sale. Works for primary residences and multifamily.
Model my seller finance →
✓ Available Now
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Tool 03
Capital Gains Analyzer
For homeowners with gains above the $250K/$500K primary residence exclusion. Models your taxable gain, installment sale option, and optimal structure to minimize year-of-sale tax.
Analyze my capital gains →
✓ Available Now
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Tool 04
Multifamily Portfolio Exit Planner
For owners of 2–2,000 unit portfolios. Enter each property. See total portfolio value, depreciation recapture, total tax exposure, and recommended exit sequence — which to sell, hold, seller-finance, or 1031.
Plan my portfolio exit →
✓ Available Now
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Tool 05
Rent vs. Sell Analyzer
Keep collecting rent or sell and invest the proceeds? Models rental income net of expenses, appreciation, and opportunity cost. Shows the crossover point where selling makes more financial sense than holding.
Model rent vs. sell →
✓ Available Now
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Tool 06
Down Payment Optimizer
What down payment is optimal for the seller in a seller finance deal? Balances year-one tax burden, credit risk, monthly income goal, and installment sale benefits. Finds your sweet spot.
Optimize my down payment →
🆕 New
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Tool 07
Subject-To Analyzer
The buyer takes over your existing mortgage payments without the bank's involvement. Model your equity release, ongoing liability exposure, due-on-sale risk, and side-by-side comparison vs. seller financing and conventional sale. Honest about the risks on both sides.
Analyze subject-to →
✓ Available Now
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Tool 08
Seller Finance Amortization Builder
Generate a complete amortization schedule for any seller-carried note. Every payment with principal, interest, and remaining balance. Printable and shareable. Useful for both parties and their attorneys.
Build my amortization schedule →
Why seller financing

The check isn’t the only
way to get paid.

Most sellers focus on the sale price. Seller financing changes the question — instead of how much can I get at closing, it becomes how much can I earn over time. The math often favors the note.

Model my seller finance strategy →
Monthly income in retirement
A $600K seller-carried note at 7% over 15 years generates $5,392/month. That’s $64,704/year — more than most Social Security checks — from a single transaction.
Spread the tax burden
Installment sale treatment lets you recognize gain proportionally as you receive payments — instead of paying all capital gains taxes in the year of sale. On a $400K gain that difference can be $60,000-$80,000 in tax saved.
Earn interest the bank would have earned
On a $600K note at 7% over 15 years you earn $369,765 in interest — money the buyer’s bank would have collected if they’d gotten a conventional mortgage. That interest comes to you instead.
Higher sale price
Sellers who offer financing typically command 5-15% higher sale prices because they expand the buyer pool to people who can’t qualify for conventional financing or prefer not to.
Subject-to explained

The buyer takes over
your mortgage.
What you need to know.

In a subject-to transaction, the buyer takes over your monthly mortgage payments while the loan stays in your name. It’s a legitimate exit strategy — but it comes with real risks the seller needs to understand before agreeing.

Analyze my subject-to options →
Subject-To vs. Seller Finance vs. Cash Sale
FeatureSubject-ToSeller FinanceCash Sale
Loan stays in seller’s nameYes ⚠NoNo
Seller credit exposureHighLowNone
Due-on-sale riskYesNoNo
Seller earns interest incomeNoYesNo
Installment sale tax benefitNoYesNo
Seller gets equity at closeYesDown pmt onlyFull
Buyer qualification neededNoneMinimalFull bank qual
Educational comparison only. All structures require independent legal counsel before execution.
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and property owners thinking about a transition.

One insight every week. Seller financing structures, tax strategies, subject-to mechanics, multifamily exit planning, and what the market shows about creative exit options. Free always.

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