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Financing comparison worksheet

Enter two proposals, compare the estimates, and keep your questions beside the numbers. Use written terms and identify anything still to confirm.

Download the Blank PDF See a worked example

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Property / project label (optional)Planned holding period (months)

Proposal A

Loan amount ($)Annual fixed interest rate (%)Loan term (years)Repayment structure

Loan costs paid in cash

Points (%)Percentage of the loan amount, paid upfront.Other lender charges ($)SCG / broker charges paid by you ($)Third-party loan costs ($)Payoff charge at your chosen exit ($)Enter any penalty, minimum-interest shortfall, or exit fee applicable at that date.

Add cash needs and proposal notes

Down payment / equity contribution ($)Prepaids and escrow deposits ($)Required reserves held separately ($)

Net proceeds, holdbacks, and financed feesDraws, prepayment terms, and other conditionsItems to confirm, compensation details, and next action

Proposal B

Loan amount ($)Annual fixed interest rate (%)Loan term (years)Repayment structure

Loan costs paid in cash

Add cash needs and proposal notes

Down payment / equity contribution ($)Prepaids and escrow deposits ($)Required reserves held separately ($)

Net proceeds, holdbacks, and financed feesDraws, prepayment terms, and other conditionsItems to confirm, compensation details, and next action

Your estimated comparison

Enter the loan amount and rate for each proposal to see estimates.

Estimates for a 36-month holding period
Estimate	Proposal A	Proposal B
Monthly principal & interest	—	—
Upfront loan costs	—	—
Interest through your chosen exit	—	—
Remaining principal at exit	—	—
Financing cost through your chosen exit	—	—
Cash contribution + upfront costs + prepaids	—	—
Reserves held separately	—	—

Financing cost = interest paid + upfront loan costs + the payoff charge you enter. Principal repayment and the remaining balance are excluded from financing cost. The remaining balance must still be repaid at exit. Cash needs and reserves are shown separately; reserves are not spent loan fees. This is not an APR calculation, a quote, or an eligibility decision.

Taxes, insurance, HOA dues, operating expenses, and sale or refinance transaction costs are excluded unless you enter an applicable amount in a cost field. Calculations use unrounded payments internally and display amounts rounded to cents; actual lender rounding and interest conventions may differ. A lower modeled cost alone does not determine which proposal fits your investment.

See the hypothetical DSCR comparison for a worked example, or learn what your review covers.