{"id":434,"date":"2026-05-05T18:07:35","date_gmt":"2026-05-05T18:07:35","guid":{"rendered":"https:\/\/dev1.selledesigngroup.com\/?page_id=434"},"modified":"2026-05-05T18:47:40","modified_gmt":"2026-05-05T18:47:40","slug":"owner-carry","status":"publish","type":"page","link":"https:\/\/dev1.selledesigngroup.com\/?page_id=434","title":{"rendered":"Owner Carry"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”12px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”-9px|auto||auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]\/\/ Owner Carry \/ Land Contract Calculator\/\/ Self-contained PHP file \u2014 no dependencies required\/\/ Embed by including this file or dropping it on any PHP server?>Owner Carry Calculator<\/title><!-- [et_pb_line_break_holder] --><link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Mono:wght@400;500&family=DM+Sans:wght@300;400;500&display=swap\" rel=\"stylesheet\"><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] --> *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> :root {<!-- [et_pb_line_break_holder] --> --bg: #0f1117;<!-- [et_pb_line_break_holder] --> --surface: #181c27;<!-- [et_pb_line_break_holder] --> --surface2: #1e2333;<!-- [et_pb_line_break_holder] --> --border: rgba(255,255,255,0.07);<!-- [et_pb_line_break_holder] --> --border2: rgba(255,255,255,0.13);<!-- [et_pb_line_break_holder] --> --text: #e8eaf0;<!-- [et_pb_line_break_holder] --> --muted: #7a7f96;<!-- [et_pb_line_break_holder] --> --accent: #4f7cff;<!-- [et_pb_line_break_holder] --> --warn: #f0a045;<!-- [et_pb_line_break_holder] --> --success: #3ecf8e;<!-- [et_pb_line_break_holder] --> --danger: #f06060;<!-- [et_pb_line_break_holder] --> --mono: 'DM Mono', monospace;<!-- [et_pb_line_break_holder] --> --sans: 'DM Sans', sans-serif;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> body {<!-- [et_pb_line_break_holder] --> font-family: var(--sans);<!-- [et_pb_line_break_holder] --> background: var(--bg);<!-- [et_pb_line_break_holder] --> color: var(--text);<!-- [et_pb_line_break_holder] --> min-height: 100vh;<!-- [et_pb_line_break_holder] --> padding: 2rem 1rem;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .wrap { max-width: 900px; margin: 0 auto; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Header *\/<!-- [et_pb_line_break_holder] --> .header { margin-bottom: 2rem; }<!-- [et_pb_line_break_holder] --> .header-eyebrow {<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 11px;<!-- [et_pb_line_break_holder] --> letter-spacing: .15em;<!-- [et_pb_line_break_holder] --> color: var(--accent);<!-- [et_pb_line_break_holder] --> text-transform: uppercase;<!-- [et_pb_line_break_holder] --> margin-bottom: 8px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .header h1 {<!-- [et_pb_line_break_holder] --> font-size: 26px;<!-- [et_pb_line_break_holder] --> font-weight: 300;<!-- [et_pb_line_break_holder] --> letter-spacing: -.02em;<!-- [et_pb_line_break_holder] --> color: var(--text);<!-- [et_pb_line_break_holder] --> line-height: 1.2;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .header h1 span { font-weight: 500; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Controls card *\/<!-- [et_pb_line_break_holder] --> .controls {<!-- [et_pb_line_break_holder] --> background: var(--surface);<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> border-radius: 16px;<!-- [et_pb_line_break_holder] --> padding: 1.5rem;<!-- [et_pb_line_break_holder] --> margin-bottom: 1.25rem;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .controls-title {<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 10px;<!-- [et_pb_line_break_holder] --> letter-spacing: .12em;<!-- [et_pb_line_break_holder] --> text-transform: uppercase;<!-- [et_pb_line_break_holder] --> color: var(--muted);<!-- [et_pb_line_break_holder] --> margin-bottom: 1.25rem;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .inputs-grid {<!-- [et_pb_line_break_holder] --> display: grid;<!-- [et_pb_line_break_holder] --> grid-template-columns: 1fr 1fr;<!-- [et_pb_line_break_holder] --> gap: 1.25rem 2rem;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> @media (max-width: 600px) { .inputs-grid { grid-template-columns: 1fr; } }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .field-group { display: flex; flex-direction: column; gap: 6px; }<!-- [et_pb_line_break_holder] --> .field-label { font-size: 12px; color: var(--muted); letter-spacing: .02em; }<!-- [et_pb_line_break_holder] --> .field-hint { font-family: var(--mono); font-size: 10px; color: var(--muted); min-height: 14px; margin-top: 2px; }<!-- [et_pb_line_break_holder] --> .field-hint.warn { color: var(--warn); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .input-wrap { position: relative; display: flex; align-items: center; }<!-- [et_pb_line_break_holder] --> .input-prefix, .input-suffix {<!-- [et_pb_line_break_holder] --> position: absolute;<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 13px;<!-- [et_pb_line_break_holder] --> color: var(--muted);<!-- [et_pb_line_break_holder] --> pointer-events: none;<!-- [et_pb_line_break_holder] --> user-select: none;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .input-prefix { left: 10px; }<!-- [et_pb_line_break_holder] --> .input-suffix { right: 10px; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> input[type=text], input[type=number] {<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> background: var(--surface2);<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> border-radius: 8px;<!-- [et_pb_line_break_holder] --> color: var(--text);<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 14px;<!-- [et_pb_line_break_holder] --> font-weight: 500;<!-- [et_pb_line_break_holder] --> padding: 9px 12px;<!-- [et_pb_line_break_holder] --> outline: none;<!-- [et_pb_line_break_holder] --> transition: border-color .15s, box-shadow .15s;<!-- [et_pb_line_break_holder] --> -moz-appearance: textfield;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input[type=number]::-webkit-outer-spin-button,<!-- [et_pb_line_break_holder] --> input[type=number]::-webkit-inner-spin-button { -webkit-appearance: none; }<!-- [et_pb_line_break_holder] --> input[type=text]:focus, input[type=number]:focus {<!-- [et_pb_line_break_holder] --> border-color: var(--accent);<!-- [et_pb_line_break_holder] --> box-shadow: 0 0 0 3px rgba(79,124,255,.15);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input.has-prefix { padding-left: 24px; }<!-- [et_pb_line_break_holder] --> input.has-suffix { padding-right: 28px; }<!-- [et_pb_line_break_holder] --> input.input-error { border-color: var(--danger) !important; box-shadow: 0 0 0 3px rgba(240,96,96,.15) !important; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Update button row *\/<!-- [et_pb_line_break_holder] --> .update-row {<!-- [et_pb_line_break_holder] --> margin-top: 1.5rem;<!-- [et_pb_line_break_holder] --> display: flex;<!-- [et_pb_line_break_holder] --> align-items: center;<!-- [et_pb_line_break_holder] --> gap: 12px;<!-- [et_pb_line_break_holder] --> flex-wrap: wrap;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .btn-update {<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 13px;<!-- [et_pb_line_break_holder] --> font-weight: 500;<!-- [et_pb_line_break_holder] --> letter-spacing: .04em;<!-- [et_pb_line_break_holder] --> padding: 10px 28px;<!-- [et_pb_line_break_holder] --> border-radius: 8px;<!-- [et_pb_line_break_holder] --> border: none;<!-- [et_pb_line_break_holder] --> background: var(--accent);<!-- [et_pb_line_break_holder] --> color: #fff;<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> transition: opacity .15s, transform .1s;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .btn-update:hover { opacity: .88; }<!-- [et_pb_line_break_holder] --> .btn-update:active { transform: scale(.97); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .btn-reset {<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 12px;<!-- [et_pb_line_break_holder] --> padding: 9px 18px;<!-- [et_pb_line_break_holder] --> border-radius: 8px;<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> background: transparent;<!-- [et_pb_line_break_holder] --> color: var(--muted);<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> transition: all .15s;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .btn-reset:hover { color: var(--text); border-color: rgba(255,255,255,.25); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .update-hint { font-size: 12px; color: var(--muted); font-style: italic; transition: color .2s; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Status banner *\/<!-- [et_pb_line_break_holder] --> .status {<!-- [et_pb_line_break_holder] --> border-radius: 10px;<!-- [et_pb_line_break_holder] --> padding: 10px 14px;<!-- [et_pb_line_break_holder] --> font-size: 13px;<!-- [et_pb_line_break_holder] --> margin-bottom: 1.25rem;<!-- [et_pb_line_break_holder] --> border: 1px solid;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .status.neg { background: rgba(240,96,96,.08); border-color: rgba(240,96,96,.25); color: #f09090; }<!-- [et_pb_line_break_holder] --> .status.part { background: rgba(79,124,255,.08); border-color: rgba(79,124,255,.25); color: #8aabff; }<!-- [et_pb_line_break_holder] --> .status.full { background: rgba(62,207,142,.08); border-color: rgba(62,207,142,.25); color: #5de0a8; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Metric cards *\/<!-- [et_pb_line_break_holder] --> .metrics {<!-- [et_pb_line_break_holder] --> display: grid;<!-- [et_pb_line_break_holder] --> grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));<!-- [et_pb_line_break_holder] --> gap: 10px;<!-- [et_pb_line_break_holder] --> margin-bottom: 1.25rem;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .metric {<!-- [et_pb_line_break_holder] --> background: var(--surface2);<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border);<!-- [et_pb_line_break_holder] --> border-radius: 12px;<!-- [et_pb_line_break_holder] --> padding: 14px;<!-- [et_pb_line_break_holder] --> transition: border-color .4s;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .metric.flash { border-color: rgba(79,124,255,.5); }<!-- [et_pb_line_break_holder] --> .metric-label { font-size: 11px; color: var(--muted); margin-bottom: 5px; letter-spacing: .03em; }<!-- [et_pb_line_break_holder] --> .metric-value { font-family: var(--mono); font-size: 18px; font-weight: 500; color: var(--text); }<!-- [et_pb_line_break_holder] --> .metric-sub { font-size: 11px; color: var(--muted); margin-top: 3px; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Tabs *\/<!-- [et_pb_line_break_holder] --> .tabs { display: flex; gap: 6px; margin-bottom: 1rem; flex-wrap: wrap; align-items: center; }<!-- [et_pb_line_break_holder] --> .tab-btn {<!-- [et_pb_line_break_holder] --> font-family: var(--sans);<!-- [et_pb_line_break_holder] --> font-size: 12px;<!-- [et_pb_line_break_holder] --> padding: 6px 14px;<!-- [et_pb_line_break_holder] --> border-radius: 8px;<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> background: transparent;<!-- [et_pb_line_break_holder] --> color: var(--muted);<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> transition: all .15s;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .tab-btn:hover { color: var(--text); border-color: rgba(255,255,255,.2); }<!-- [et_pb_line_break_holder] --> .tab-btn.active { background: var(--surface2); color: var(--text); border-color: var(--accent); }<!-- [et_pb_line_break_holder] --> .tab-panel { display: none; }<!-- [et_pb_line_break_holder] --> .tab-panel.active { display: block; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Detail cards *\/<!-- [et_pb_line_break_holder] --> .detail-card {<!-- [et_pb_line_break_holder] --> background: var(--surface);<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> border-radius: 14px;<!-- [et_pb_line_break_holder] --> padding: 1.25rem;<!-- [et_pb_line_break_holder] --> margin-bottom: 1rem;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .detail-title {<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 10px;<!-- [et_pb_line_break_holder] --> letter-spacing: .12em;<!-- [et_pb_line_break_holder] --> text-transform: uppercase;<!-- [et_pb_line_break_holder] --> color: var(--muted);<!-- [et_pb_line_break_holder] --> margin-bottom: 12px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .detail-row {<!-- [et_pb_line_break_holder] --> display: flex;<!-- [et_pb_line_break_holder] --> justify-content: space-between;<!-- [et_pb_line_break_holder] --> align-items: center;<!-- [et_pb_line_break_holder] --> padding: 7px 0;<!-- [et_pb_line_break_holder] --> border-bottom: 1px solid var(--border);<!-- [et_pb_line_break_holder] --> font-size: 13px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .detail-row:last-child { border-bottom: none; }<!-- [et_pb_line_break_holder] --> .detail-row .lbl { color: var(--muted); }<!-- [et_pb_line_break_holder] --> .detail-row .val { font-family: var(--mono); font-weight: 500; color: var(--text); text-align: right; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }<!-- [et_pb_line_break_holder] --> @media (max-width: 560px) { .two-col { grid-template-columns: 1fr; } }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .badge {<!-- [et_pb_line_break_holder] --> display: inline-block;<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 10px;<!-- [et_pb_line_break_holder] --> padding: 2px 7px;<!-- [et_pb_line_break_holder] --> border-radius: 5px;<!-- [et_pb_line_break_holder] --> font-weight: 500;<!-- [et_pb_line_break_holder] --> vertical-align: middle;<!-- [et_pb_line_break_holder] --> margin-left: 5px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .badge-warn { background: rgba(240,160,69,.15); color: var(--warn); border: 1px solid rgba(240,160,69,.3); }<!-- [et_pb_line_break_holder] --> .badge-success { background: rgba(62,207,142,.12); color: var(--success); border: 1px solid rgba(62,207,142,.3); }<!-- [et_pb_line_break_holder] --> .badge-info { background: rgba(79,124,255,.12); color: #8aabff; border: 1px solid rgba(79,124,255,.3); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Amort table *\/<!-- [et_pb_line_break_holder] --> .table-wrap { overflow-x: auto; }<!-- [et_pb_line_break_holder] --> table { width: 100%; border-collapse: collapse; font-size: 12px; }<!-- [et_pb_line_break_holder] --> th {<!-- [et_pb_line_break_holder] --> text-align: right;<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 10px;<!-- [et_pb_line_break_holder] --> letter-spacing: .08em;<!-- [et_pb_line_break_holder] --> text-transform: uppercase;<!-- [et_pb_line_break_holder] --> color: var(--muted);<!-- [et_pb_line_break_holder] --> padding: 7px 10px;<!-- [et_pb_line_break_holder] --> border-bottom: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> font-weight: 500;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> th:first-child { text-align: left; }<!-- [et_pb_line_break_holder] --> td {<!-- [et_pb_line_break_holder] --> text-align: right;<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> padding: 6px 10px;<!-- [et_pb_line_break_holder] --> border-bottom: 1px solid var(--border);<!-- [et_pb_line_break_holder] --> color: var(--text);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> td:first-child { text-align: left; color: var(--muted); }<!-- [et_pb_line_break_holder] --> tr.balloon-row td { color: var(--warn); }<!-- [et_pb_line_break_holder] --> tr.total-row td { border-bottom: none; border-top: 1px solid var(--border2); font-weight: 500; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Checklist *\/<!-- [et_pb_line_break_holder] --> .cl-section-label {<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 10px;<!-- [et_pb_line_break_holder] --> letter-spacing: .1em;<!-- [et_pb_line_break_holder] --> text-transform: uppercase;<!-- [et_pb_line_break_holder] --> color: var(--accent);<!-- [et_pb_line_break_holder] --> padding: 12px 0 4px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .cl-item {<!-- [et_pb_line_break_holder] --> display: flex;<!-- [et_pb_line_break_holder] --> gap: 10px;<!-- [et_pb_line_break_holder] --> align-items: flex-start;<!-- [et_pb_line_break_holder] --> padding: 8px 0;<!-- [et_pb_line_break_holder] --> border-bottom: 1px solid var(--border);<!-- [et_pb_line_break_holder] --> font-size: 13px;<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .cl-item:last-child { border-bottom: none; }<!-- [et_pb_line_break_holder] --> .cl-box {<!-- [et_pb_line_break_holder] --> width: 16px; height: 16px;<!-- [et_pb_line_break_holder] --> border-radius: 4px;<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> flex-shrink: 0;<!-- [et_pb_line_break_holder] --> margin-top: 2px;<!-- [et_pb_line_break_holder] --> display: flex; align-items: center; justify-content: center;<!-- [et_pb_line_break_holder] --> transition: all .15s;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .cl-box.done { background: var(--success); border-color: var(--success); }<!-- [et_pb_line_break_holder] --> .cl-box.done::after {<!-- [et_pb_line_break_holder] --> content: '';<!-- [et_pb_line_break_holder] --> display: block;<!-- [et_pb_line_break_holder] --> width: 4px; height: 8px;<!-- [et_pb_line_break_holder] --> border: 2px solid #0f1117;<!-- [et_pb_line_break_holder] --> border-top: none; border-left: none;<!-- [et_pb_line_break_holder] --> transform: rotate(45deg) translate(-1px,-1px);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .cl-text { flex: 1; line-height: 1.5; color: var(--text); }<!-- [et_pb_line_break_holder] --> .cl-text.done { text-decoration: line-through; color: var(--muted); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Risk cards *\/<!-- [et_pb_line_break_holder] --> .risk-card {<!-- [et_pb_line_break_holder] --> background: var(--surface);<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> border-radius: 12px;<!-- [et_pb_line_break_holder] --> padding: 1rem 1.25rem;<!-- [et_pb_line_break_holder] --> margin-bottom: 10px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .risk-head { display: flex; align-items: center; gap: 8px; margin-bottom: 6px; }<!-- [et_pb_line_break_holder] --> .risk-title { font-size: 14px; font-weight: 500; }<!-- [et_pb_line_break_holder] --> .risk-desc { font-size: 12px; color: var(--muted); margin-bottom: 6px; line-height: 1.6; }<!-- [et_pb_line_break_holder] --> .risk-protect { font-size: 12px; color: var(--text); line-height: 1.6; }<!-- [et_pb_line_break_holder] --> .risk-protect strong { font-weight: 500; color: var(--accent); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> .print-btn {<!-- [et_pb_line_break_holder] --> font-family: var(--mono);<!-- [et_pb_line_break_holder] --> font-size: 11px;<!-- [et_pb_line_break_holder] --> padding: 6px 14px;<!-- [et_pb_line_break_holder] --> border-radius: 8px;<!-- [et_pb_line_break_holder] --> border: 1px solid var(--border2);<!-- [et_pb_line_break_holder] --> background: transparent;<!-- [et_pb_line_break_holder] --> color: var(--muted);<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> margin-left: auto;<!-- [et_pb_line_break_holder] --> transition: all .15s;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .print-btn:hover { color: var(--text); border-color: rgba(255,255,255,.3); }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> @media print {<!-- [et_pb_line_break_holder] --> body { background: #fff; color: #000; padding: 0; }<!-- [et_pb_line_break_holder] --> :root { --bg:#fff; --surface:#f5f5f5; --surface2:#eee; --border:rgba(0,0,0,.1); --border2:rgba(0,0,0,.18); --text:#111; --muted:#555; --accent:#2255cc; }<!-- [et_pb_line_break_holder] --> .controls, .tabs, .print-btn { display: none !important; }<!-- [et_pb_line_break_holder] --> .tab-panel { display: block !important; }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"wrap\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"header\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"header-eyebrow\">Owner Carry \u2014 Contract for Deed<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<h1>Land Contract <span>Calculator<\/span><\/h1>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Input Controls --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"controls\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"controls-title\">Deal Parameters \u2014 edit values then click Update<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"inputs-grid\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-group\"><!-- [et_pb_line_break_holder] --> <label class=\"field-label\" for=\"priceInput\">Sale price<\/label><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-wrap\"><!-- [et_pb_line_break_holder] --> <span class=\"input-prefix\">$<\/span><!-- [et_pb_line_break_holder] --> <input type=\"text\" id=\"priceInput\" class=\"has-prefix\" value=\"900,000\" placeholder=\"900,000\"<!-- [et_pb_line_break_holder] --> oninput=”fmtCommas(this)” onkeydown=”handleEnter(event)”><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-hint\" id=\"priceHint\">LTV after down: 80%<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-group\"><!-- [et_pb_line_break_holder] --> <label class=\"field-label\" for=\"dpInput\">Down payment<\/label><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"number\" id=\"dpInput\" class=\"has-suffix\" value=\"20\" min=\"1\" max=\"99\" step=\"1\"<!-- [et_pb_line_break_holder] --> onkeydown=”handleEnter(event)” oninput=”markDirty()”><!-- [et_pb_line_break_holder] --> <span class=\"input-suffix\">%<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-hint\" id=\"dpHint\">Down: $180,000 \u00a0\u00b7\u00a0 Financed: $720,000<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-group\"><!-- [et_pb_line_break_holder] --> <label class=\"field-label\" for=\"rateInput\">Interest rate<\/label><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"number\" id=\"rateInput\" class=\"has-suffix\" value=\"7.50\" min=\"0.01\" max=\"30\" step=\"0.25\"<!-- [et_pb_line_break_holder] --> onkeydown=”handleEnter(event)” oninput=”markDirty()”><!-- [et_pb_line_break_holder] --> <span class=\"input-suffix\">%<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-hint\" id=\"rateHint\">First month interest on $720,000: $4,500<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-group\"><!-- [et_pb_line_break_holder] --> <label class=\"field-label\" for=\"pmtInput\">Monthly payment<\/label><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-wrap\"><!-- [et_pb_line_break_holder] --> <span class=\"input-prefix\">$<\/span><!-- [et_pb_line_break_holder] --> <input type=\"text\" id=\"pmtInput\" class=\"has-prefix\" value=\"4,000\" placeholder=\"4,000\"<!-- [et_pb_line_break_holder] --> oninput=”fmtCommas(this)” onkeydown=”handleEnter(event)”><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-hint\" id=\"pmtHint\">Interest-only: $4,500\/mo \u00a0\u00b7\u00a0 Full amort (7yr): $10,974\/mo<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-group\"><!-- [et_pb_line_break_holder] --> <label class=\"field-label\" for=\"termInput\">Term<\/label><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-wrap\"><!-- [et_pb_line_break_holder] --> <input type=\"number\" id=\"termInput\" class=\"has-suffix\" value=\"7\" min=\"1\" max=\"30\" step=\"1\"<!-- [et_pb_line_break_holder] --> onkeydown=”handleEnter(event)” oninput=”markDirty()”><!-- [et_pb_line_break_holder] --> <span class=\"input-suffix\">yrs<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"field-hint\" id=\"termHint\">84 monthly payments<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"update-row\"><!-- [et_pb_line_break_holder] --> <button class=\"btn-update\" onclick=\"runUpdate()\">Update calculation<\/button><!-- [et_pb_line_break_holder] --> <button class=\"btn-reset\" onclick=\"resetDefaults()\">Reset defaults<\/button><!-- [et_pb_line_break_holder] --> <span class=\"update-hint\" id=\"updateHint\">Press Enter in any field or click Update<\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Status banner --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"status part\" id=\"statusBanner\"><!-- [et_pb_line_break_holder] --> <strong>Click Update<\/strong> \u2014 enter your deal parameters above and click Update calculation to see results.<!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Metrics --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metrics\" id=\"metrics\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric\">\n<div class=\"metric-label\">Financed<\/div>\n<div class=\"metric-value\">\u2014<\/div>\n<div class=\"metric-sub\">Click Update<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric\">\n<div class=\"metric-label\">Monthly payment<\/div>\n<div class=\"metric-value\">\u2014<\/div>\n<div class=\"metric-sub\">Fixed<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric\">\n<div class=\"metric-label\">Balloon<\/div>\n<div class=\"metric-value\">\u2014<\/div>\n<div class=\"metric-sub\">At end of term<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric\">\n<div class=\"metric-label\">Total interest<\/div>\n<div class=\"metric-value\">\u2014<\/div>\n<div class=\"metric-sub\">Over term<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric\">\n<div class=\"metric-label\">Grand total<\/div>\n<div class=\"metric-value\">\u2014<\/div>\n<div class=\"metric-sub\">All in<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Tabs --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"tabs\"><!-- [et_pb_line_break_holder] --> <button class=\"tab-btn active\" onclick=\"showTab('overview')\">Overview<\/button><!-- [et_pb_line_break_holder] --> <button class=\"tab-btn\" onclick=\"showTab('schedule')\">Payment schedule<\/button><!-- [et_pb_line_break_holder] --> <button class=\"tab-btn\" onclick=\"showTab('checklist')\">Closing checklist<\/button><!-- [et_pb_line_break_holder] --> <button class=\"tab-btn\" onclick=\"showTab('risks')\">Risks & protections<\/button><!-- [et_pb_line_break_holder] --> <button class=\"print-btn\" onclick=\"window.print()\">Print \/ Save PDF<\/button><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Overview tab --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"tab-panel active\" id=\"tab-overview\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-title\">Deal structure<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Sale price<\/span><span class=\"val\" id=\"dsSalePrice\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Down payment<\/span><span class=\"val\" id=\"dsDP\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Amount financed<\/span><span class=\"val\" id=\"dsFinanced\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Interest rate<\/span><span class=\"val\" id=\"dsRate\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Monthly payment<\/span><span class=\"val\" id=\"dsMonthly\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Contract type<\/span><span class=\"val\">Land contract \/ Contract for deed<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Balloon due<\/span><span class=\"val\" id=\"dsBalloonDue\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Balloon payment<\/span><span class=\"val\" id=\"dsBalloonAmt\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"two-col\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-title\">Seller receives<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">At close<\/span><span class=\"val\" id=\"sellerClose\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Monthly payments<\/span><span class=\"val\" id=\"sellerMonthly\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Balloon at maturity<\/span><span class=\"val\" id=\"sellerBalloon\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Total interest earned<\/span><span class=\"val\" id=\"totalInt\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Grand total<\/span><span class=\"val\" id=\"grandTotal\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-title\">Buyer’s picture<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Cash at close<\/span><span class=\"val\" id=\"buyerClose\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Monthly payment<\/span><span class=\"val\" id=\"buyerMonthly\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Balloon year<\/span><span class=\"val\" id=\"buyerBalloonYear\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Balloon amount<\/span><span class=\"val\" id=\"buyerBalloonAmt\">\u2014<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-row\"><span class=\"lbl\">Cash back at end<\/span><span class=\"val\"><span class=\"badge badge-info\">None<\/span><\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Schedule tab --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"tab-panel\" id=\"tab-schedule\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-title\">Annual payment schedule \u2014 balloon = full remaining balance at end of term<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"table-wrap\"><!-- [et_pb_line_break_holder] --> <\/p>\n<table id=\"amortTable\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tr>\n<th>Year<\/th>\n<th>Payment<\/th>\n<th>Interest<\/th>\n<th>Principal<\/th>\n<th>Balance \/ balloon<\/th>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr>\n<td colspan=\"5\" style=\"text-align:center;padding:2rem;color:var(--muted);font-size:12px;\">Enter values above and click Update to generate schedule<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/table>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Checklist tab --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"tab-panel\" id=\"tab-checklist\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"detail-title\">Closing checklist \u2014 click items to mark complete<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"checklistItems\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- Risks tab --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"tab-panel\" id=\"tab-risks\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"risksContent\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->(function () {<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Utilities \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> function rawVal(id) { return document.getElementById(id).value.replace(\/,\/g,'').trim(); }<!-- [et_pb_line_break_holder] --> function fmt(n) { return '$' + Math.round(n).toLocaleString(); }<!-- [et_pb_line_break_holder] --> function fmtR(n) { return parseFloat(n).toFixed(2) + '%'; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function calcBalloon(financed, rate, monthly, months) {<!-- [et_pb_line_break_holder] --> var mr = rate \/ 12, bal = financed;<!-- [et_pb_line_break_holder] --> for (var i = 0; i < months; i++) bal = bal + bal * mr - monthly;<!-- [et_pb_line_break_holder] --> return bal;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> function calcFullAmort(financed, rate, n) {<!-- [et_pb_line_break_holder] --> var mr = rate \/ 12;<!-- [et_pb_line_break_holder] --> if (mr === 0) return financed \/ n;<!-- [et_pb_line_break_holder] --> return financed * mr * Math.pow(1+mr,n) \/ (Math.pow(1+mr,n)-1);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Comma formatter for $ text inputs \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> window.fmtCommas = function(el) {<!-- [et_pb_line_break_holder] --> var caret = el.selectionStart;<!-- [et_pb_line_break_holder] --> var digits = el.value.replace(\/[^0-9]\/g,'');<!-- [et_pb_line_break_holder] --> var formatted = digits ? parseInt(digits,10).toLocaleString() : '';<!-- [et_pb_line_break_holder] --> var delta = formatted.length - el.value.length;<!-- [et_pb_line_break_holder] --> el.value = formatted;<!-- [et_pb_line_break_holder] --> var newPos = Math.max(0, caret + delta);<!-- [et_pb_line_break_holder] --> el.setSelectionRange(newPos, newPos);<!-- [et_pb_line_break_holder] --> markDirty();<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Enter key \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> window.handleEnter = function(e) {<!-- [et_pb_line_break_holder] --> if (e.key === 'Enter') { e.preventDefault(); runUpdate(); }<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Dirty state \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> window.markDirty = function() {<!-- [et_pb_line_break_holder] --> var h = document.getElementById('updateHint');<!-- [et_pb_line_break_holder] --> h.textContent = 'Unsaved changes \\u2014 click Update to recalculate';<!-- [et_pb_line_break_holder] --> h.style.color = 'var(--warn)';<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> ['dpInput','rateInput','termInput'].forEach(function(id){<!-- [et_pb_line_break_holder] --> document.getElementById(id).addEventListener('input', markDirty);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Validation \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> function validate(price, dpPct, rate, monthly, term) {<!-- [et_pb_line_break_holder] --> var ok = true;<!-- [et_pb_line_break_holder] --> function check(id, val, mn, mx) {<!-- [et_pb_line_break_holder] --> var el = document.getElementById(id);<!-- [et_pb_line_break_holder] --> if (isNaN(val) || val < mn || val > mx) { el.classList.add('input-error'); ok = false; }<!-- [et_pb_line_break_holder] --> else el.classList.remove('input-error');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> check('priceInput', price, 1000, 1e8);<!-- [et_pb_line_break_holder] --> check('dpInput', dpPct, 1, 99);<!-- [et_pb_line_break_holder] --> check('rateInput', rate, 0.01, 30);<!-- [et_pb_line_break_holder] --> check('pmtInput', monthly, 1, 9999999);<!-- [et_pb_line_break_holder] --> check('termInput', term, 1, 30);<!-- [et_pb_line_break_holder] --> return ok;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Main calculation \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> window.runUpdate = function() {<!-- [et_pb_line_break_holder] --> var price = parseFloat(rawVal('priceInput'));<!-- [et_pb_line_break_holder] --> var dpPct = parseFloat(document.getElementById('dpInput').value);<!-- [et_pb_line_break_holder] --> var rate = parseFloat(document.getElementById('rateInput').value) \/ 100;<!-- [et_pb_line_break_holder] --> var monthly = parseFloat(rawVal('pmtInput'));<!-- [et_pb_line_break_holder] --> var term = parseInt(document.getElementById('termInput').value, 10);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> if (!validate(price, dpPct, rate, monthly, term)) {<!-- [et_pb_line_break_holder] --> var h = document.getElementById('updateHint');<!-- [et_pb_line_break_holder] --> h.textContent = 'Please fix the highlighted fields';<!-- [et_pb_line_break_holder] --> h.style.color = 'var(--danger)';<!-- [et_pb_line_break_holder] --> return;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var dp = price * dpPct \/ 100;<!-- [et_pb_line_break_holder] --> var financed = price - dp;<!-- [et_pb_line_break_holder] --> var mr = rate \/ 12;<!-- [et_pb_line_break_holder] --> var n = term * 12;<!-- [et_pb_line_break_holder] --> var intOnly = financed * mr;<!-- [et_pb_line_break_holder] --> var fullAmt = calcFullAmort(financed, rate, n);<!-- [et_pb_line_break_holder] --> var balloon = calcBalloon(financed, rate, monthly, n);<!-- [et_pb_line_break_holder] --> var isNeg = monthly < intOnly - 0.99;<!-- [et_pb_line_break_holder] --> var isFull = monthly >= fullAmt - 10;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Hints *\/<!-- [et_pb_line_break_holder] --> document.getElementById('priceHint').textContent = 'LTV after down: ' + Math.round(100 - dpPct) + '%';<!-- [et_pb_line_break_holder] --> document.getElementById('dpHint').textContent = 'Down: ' + fmt(dp) + ' \\u00b7 Financed: ' + fmt(financed);<!-- [et_pb_line_break_holder] --> document.getElementById('rateHint').textContent = 'First month interest on ' + fmt(financed) + ': ' + fmt(intOnly);<!-- [et_pb_line_break_holder] --> var ph = document.getElementById('pmtHint');<!-- [et_pb_line_break_holder] --> ph.textContent = 'Interest-only: ' + fmt(intOnly) + '\/mo \\u00b7 Full amort (' + term + 'yr): ' + fmt(fullAmt) + '\/mo';<!-- [et_pb_line_break_holder] --> ph.className = 'field-hint' + (isNeg ? ' warn' : '');<!-- [et_pb_line_break_holder] --> document.getElementById('termHint').textContent = n + ' monthly payments';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Status *\/<!-- [et_pb_line_break_holder] --> var sb = document.getElementById('statusBanner');<!-- [et_pb_line_break_holder] --> if (isNeg) {<!-- [et_pb_line_break_holder] --> sb.className = 'status neg';<!-- [et_pb_line_break_holder] --> sb.innerHTML = '<strong>Negative amortization<\/strong> \u2014 ' + fmt(monthly) + '\/mo is below the ' + fmt(intOnly) + ' monthly interest. Unpaid interest compounds onto the balance; the balloon grows over time.';<!-- [et_pb_line_break_holder] --> } else if (isFull) {<!-- [et_pb_line_break_holder] --> sb.className = 'status full';<!-- [et_pb_line_break_holder] --> sb.innerHTML = '<strong>Fully amortizing<\/strong> \u2014 payment eliminates the full balance by end of term. Balloon is near zero.';<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> sb.className = 'status part';<!-- [et_pb_line_break_holder] --> sb.innerHTML = '<strong>Partially amortizing<\/strong> \u2014 payment covers all interest plus some principal. Balloon = remaining balance at maturity.';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Total interest *\/<!-- [et_pb_line_break_holder] --> var totInt = 0, b = financed;<!-- [et_pb_line_break_holder] --> for (var i = 0; i < n; i++) { var ia = b * mr; totInt += ia; b = b + ia - monthly; }<!-- [et_pb_line_break_holder] --> var grandTotalAmt = dp + monthly * n + balloon;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Metrics *\/<!-- [et_pb_line_break_holder] --> document.getElementById('metrics').innerHTML =<!-- [et_pb_line_break_holder] --> mkMetric('Financed', fmt(financed), dpPct + '% down') +<!-- [et_pb_line_break_holder] --> mkMetric('Monthly payment', fmt(monthly), 'Fixed') +<!-- [et_pb_line_break_holder] --> mkMetric('Balloon yr ' + term, fmt(balloon), isNeg ? 'Growing' : 'Calculated') +<!-- [et_pb_line_break_holder] --> mkMetric('Total interest', fmt(totInt), 'Over ' + term + ' yr' + (term>1?'s':'')) +<!-- [et_pb_line_break_holder] --> mkMetric('Grand total', fmt(grandTotalAmt), 'All in');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Flash metrics *\/<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.metric').forEach(function(m) {<!-- [et_pb_line_break_holder] --> m.classList.remove('flash');<!-- [et_pb_line_break_holder] --> void m.offsetWidth;<!-- [et_pb_line_break_holder] --> m.classList.add('flash');<!-- [et_pb_line_break_holder] --> setTimeout(function(){ m.classList.remove('flash'); }, 1000);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Overview *\/<!-- [et_pb_line_break_holder] --> document.getElementById('dsSalePrice').textContent = fmt(price);<!-- [et_pb_line_break_holder] --> document.getElementById('dsDP').textContent = fmt(dp) + ' (' + dpPct + '%)';<!-- [et_pb_line_break_holder] --> document.getElementById('dsFinanced').textContent = fmt(financed);<!-- [et_pb_line_break_holder] --> document.getElementById('dsRate').textContent = fmtR(rate * 100);<!-- [et_pb_line_break_holder] --> document.getElementById('dsMonthly').textContent = fmt(monthly) + ' \/ month';<!-- [et_pb_line_break_holder] --> document.getElementById('dsBalloonDue').textContent = 'Year ' + term + ' (month ' + n + ')';<!-- [et_pb_line_break_holder] --> document.getElementById('dsBalloonAmt').innerHTML = fmt(balloon) +<!-- [et_pb_line_break_holder] --> '<span class=\"badge ' + (isNeg ? 'badge-warn' : 'badge-success') + '\">' + (isNeg ? 'Growing' : 'Calculated') + '<\/span>';<!-- [et_pb_line_break_holder] --> document.getElementById('sellerClose').textContent = fmt(dp);<!-- [et_pb_line_break_holder] --> document.getElementById('sellerMonthly').textContent = fmt(monthly) + ' \\u00d7 ' + n + ' = ' + fmt(monthly * n);<!-- [et_pb_line_break_holder] --> document.getElementById('sellerBalloon').textContent = fmt(balloon);<!-- [et_pb_line_break_holder] --> document.getElementById('totalInt').textContent = fmt(totInt);<!-- [et_pb_line_break_holder] --> document.getElementById('grandTotal').textContent = fmt(grandTotalAmt);<!-- [et_pb_line_break_holder] --> document.getElementById('buyerClose').textContent = fmt(dp);<!-- [et_pb_line_break_holder] --> document.getElementById('buyerMonthly').textContent = fmt(monthly);<!-- [et_pb_line_break_holder] --> document.getElementById('buyerBalloonYear').textContent = 'Year ' + term;<!-- [et_pb_line_break_holder] --> document.getElementById('buyerBalloonAmt').textContent = fmt(balloon);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Amort table *\/<!-- [et_pb_line_break_holder] --> var rows = '<\/p>\n<tr>\n<th>Year<\/th>\n<th>Payment<\/th>\n<th>Interest<\/th>\n<th>Principal<\/th>\n<th>Balance \/ balloon<\/th>\n<\/tr>\n<p>';<!-- [et_pb_line_break_holder] --> var bl = financed, tI = 0, tP = 0;<!-- [et_pb_line_break_holder] --> for (var yr = 1; yr <= term; yr++) {<!-- [et_pb_line_break_holder] --> var yI = 0, yP = 0;<!-- [et_pb_line_break_holder] --> for (var mo = 0; mo < 12; mo++) {<!-- [et_pb_line_break_holder] --> var ia2 = bl * mr, pa = monthly - ia2;<!-- [et_pb_line_break_holder] --> yI += ia2; yP += pa; bl = bl + ia2 - monthly;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> tI += yI; tP += yP;<!-- [et_pb_line_break_holder] --> var isBal = yr === term;<!-- [et_pb_line_break_holder] --> rows += '<tr' + (isBal ? ' class=\"balloon-row\"' : '') + '>' +<!-- [et_pb_line_break_holder] --> '<\/p>\n<td>Year ' + yr + '<\/td>\n<p>' +<!-- [et_pb_line_break_holder] --> '<\/p>\n<td>' + fmt(monthly) + '<\/td>\n<p>' +<!-- [et_pb_line_break_holder] --> '<\/p>\n<td>' + fmt(yI) + '<\/td>\n<p>' +<!-- [et_pb_line_break_holder] --> '<\/p>\n<td>' + fmt(yP) + '<\/td>\n<p>' +<!-- [et_pb_line_break_holder] --> '<\/p>\n<td>' + fmt(Math.round(bl)) + (isBal ? ' <span class=\"badge badge-warn\">balloon<\/span>' : '') + '<\/td>\n<p>' +<!-- [et_pb_line_break_holder] --> '<\/tr>\n<p>';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> rows += '<\/p>\n<tr class=\"total-row\">\n<td>Totals<\/td>\n<td>' + fmt(monthly*n) + '<\/td>\n<td>' + fmt(tI) + '<\/td>\n<td>' + fmt(tP) + '<\/td>\n<td><\/td>\n<\/tr>\n<p>';<!-- [et_pb_line_break_holder] --> document.getElementById('amortTable').innerHTML = rows;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Done *\/<!-- [et_pb_line_break_holder] --> var hint = document.getElementById('updateHint');<!-- [et_pb_line_break_holder] --> hint.textContent = 'Updated \\u2713';<!-- [et_pb_line_break_holder] --> hint.style.color = 'var(--success)';<!-- [et_pb_line_break_holder] --> setTimeout(function() {<!-- [et_pb_line_break_holder] --> hint.textContent = 'Press Enter in any field or click Update';<!-- [et_pb_line_break_holder] --> hint.style.color = '';<!-- [et_pb_line_break_holder] --> }, 2500);<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Reset \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> window.resetDefaults = function() {<!-- [et_pb_line_break_holder] --> document.getElementById('priceInput').value = '900,000';<!-- [et_pb_line_break_holder] --> document.getElementById('dpInput').value = '20';<!-- [et_pb_line_break_holder] --> document.getElementById('rateInput').value = '7.50';<!-- [et_pb_line_break_holder] --> document.getElementById('pmtInput').value = '4,000';<!-- [et_pb_line_break_holder] --> document.getElementById('termInput').value = '7';<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.input-error').forEach(function(el){ el.classList.remove('input-error'); });<!-- [et_pb_line_break_holder] --> runUpdate();<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function mkMetric(label, value, sub) {<!-- [et_pb_line_break_holder] --> return '<\/p>\n<div class=\"metric\">\n<div class=\"metric-label\">' + label + '<\/div>\n<p>' +<!-- [et_pb_line_break_holder] --> '<\/p>\n<div class=\"metric-value\">' + value + '<\/div>\n<p>' +<!-- [et_pb_line_break_holder] --> '<\/p>\n<div class=\"metric-sub\">' + sub + '<\/div>\n<\/div>\n<p>';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Tabs \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> window.showTab = function(id) {<!-- [et_pb_line_break_holder] --> var ids = ['overview','schedule','checklist','risks'];<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.tab-btn').forEach(function(b,i){ b.classList.toggle('active', ids[i]===id); });<!-- [et_pb_line_break_holder] --> document.querySelectorAll('.tab-panel').forEach(function(p){ p.classList.remove('active'); });<!-- [et_pb_line_break_holder] --> document.getElementById('tab-'+id).classList.add('active');<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Checklist \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> var checklistData = [<!-- [et_pb_line_break_holder] --> { cat:'Before listing', items:['Obtain a current title report \/ title search','Confirm no existing liens or mortgages on the property','Order appraisal or BPO to support sale price','Consult a real estate attorney in your state'] },<!-- [et_pb_line_break_holder] --> { cat:'Vetting the buyer', items:['Pull credit report (score, history, debt load)','Verify income \u2014 2 years tax returns + bank statements','Assess buyer\\'s ability to pay balloon at maturity','Review references from prior landlords or lenders'] },<!-- [et_pb_line_break_holder] --> { cat:'Contract terms', items:['State sale price, down payment, rate, and monthly payment clearly','Define balloon = remaining unpaid balance at end of term','State buyer receives no cash back at end','Include late-fee clause (e.g. 5% after 10-day grace)','Define default and forfeiture \/ acceleration provisions','Add due-on-sale clause','Specify who pays property taxes & insurance (escrow recommended)','Include property maintenance and inspection rights'] },<!-- [et_pb_line_break_holder] --> { cat:'At closing', items:['Record a memorandum of contract with the county','Collect down payment in verified funds','Buyer obtains hazard insurance \u2014 seller named as loss payee','Set up escrow account for taxes & insurance','Provide buyer with full amortization schedule showing balloon'] },<!-- [et_pb_line_break_holder] --> { cat:'Ongoing', items:['Confirm payments received on time each month','Annual review of insurance and tax payments','Monitor property condition (annual walkthrough rights)','Notify buyer 6\u201312 months before balloon due date','Confirm buyer is arranging refinance or funds for balloon'] }<!-- [et_pb_line_break_holder] --> ];<!-- [et_pb_line_break_holder] --> var checked = {};<!-- [et_pb_line_break_holder] --> function renderChecklist() {<!-- [et_pb_line_break_holder] --> var html = '';<!-- [et_pb_line_break_holder] --> checklistData.forEach(function(s){<!-- [et_pb_line_break_holder] --> html += '<\/p>\n<div class=\"cl-section-label\">'+s.cat+'<\/div>\n<p>';<!-- [et_pb_line_break_holder] --> s.items.forEach(function(item,i){<!-- [et_pb_line_break_holder] --> var k = s.cat+i, done = !!checked[k];<!-- [et_pb_line_break_holder] --> html += '<\/p>\n<div class=\"cl-item\" onclick=\"toggleCheck(\\''+k+'\\')\">'+<!-- [et_pb_line_break_holder] --> '<\/p>\n<div class=\"cl-box'+(done?' done':'')+'\"><\/div>\n<p>'+<!-- [et_pb_line_break_holder] --> '<span class=\"cl-text'+(done?' done':'')+'\">'+item+'<\/span><\/div>\n<p>';<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> document.getElementById('checklistItems').innerHTML = html;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> window.toggleCheck = function(k){ checked[k]=!checked[k]; renderChecklist(); };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Risks \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> var risksData = [<!-- [et_pb_line_break_holder] --> { title:'Negative amortization', badge:'Watch closely', bc:'badge-warn', desc:'If the monthly payment falls below the interest-only threshold, unpaid interest compounds onto the balance and the balloon grows larger than the original loan.', protect:'Disclose clearly in writing. Contract must state balloon = full remaining balance. Monitor whenever rate or price changes.' },<!-- [et_pb_line_break_holder] --> { title:'Balloon inability to pay', badge:'High priority', bc:'badge-warn', desc:'Buyer must refinance or pay the full remaining balance at maturity. The lower the payment, the larger the balloon.', protect:'Vet buyer\\'s financial strength carefully. Include a balloon default clause. Ensure property value supports the balloon amount at maturity.' },<!-- [et_pb_line_break_holder] --> { title:'Buyer default', badge:'Plan for it', bc:'badge-warn', desc:'Under a land contract, title stays with you until payoff \u2014 but forfeiture laws vary widely by state.', protect:'Include a clear default clause (30\u201360 day cure period). Consult a local attorney on your state\\'s land contract rules.' },<!-- [et_pb_line_break_holder] --> { title:'Property damage \/ neglect', badge:'Monitor', bc:'badge-warn', desc:'You hold title but buyer is in possession. A neglected property loses collateral value.', protect:'Require hazard insurance with you as loss payee. Include annual inspection rights. Escrow taxes & insurance.' },<!-- [et_pb_line_break_holder] --> { title:'Installment sale tax treatment', badge:'Tax planning', bc:'badge-info', desc:'This structure may qualify as an installment sale (IRS Form 6252). The balloon year triggers a large gain recognition.', protect:'Work with a CPA before closing. Negative amortization complicates interest vs. principal reporting.' }<!-- [et_pb_line_break_holder] --> ];<!-- [et_pb_line_break_holder] --> function renderRisks() {<!-- [et_pb_line_break_holder] --> var html = '';<!-- [et_pb_line_break_holder] --> risksData.forEach(function(r){<!-- [et_pb_line_break_holder] --> html += '<\/p>\n<div class=\"risk-card\">'+<!-- [et_pb_line_break_holder] --> '<\/p>\n<div class=\"risk-head\"><span class=\"risk-title\">'+r.title+'<\/span><span class=\"badge '+r.bc+'\">'+r.badge+'<\/span><\/div>\n<p>'+<!-- [et_pb_line_break_holder] --> '<pee class=\"risk-desc\">'+r.desc+'<\/pee>'+<!-- [et_pb_line_break_holder] --> '<pee class=\"risk-protect\"><strong>Protection:<\/strong> '+r.protect+'<\/pee><\/div>\n<p>';<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> document.getElementById('risksContent').innerHTML = html;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* \u2500\u2500 Init \u2500\u2500 *\/<!-- [et_pb_line_break_holder] --> renderChecklist();<!-- [et_pb_line_break_holder] --> renderRisks();<!-- [et_pb_line_break_holder] --> runUpdate();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><\/script><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-434","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/dev1.selledesigngroup.com\/index.php?rest_route=\/wp\/v2\/pages\/434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev1.selledesigngroup.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dev1.selledesigngroup.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dev1.selledesigngroup.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dev1.selledesigngroup.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=434"}],"version-history":[{"count":7,"href":"https:\/\/dev1.selledesigngroup.com\/index.php?rest_route=\/wp\/v2\/pages\/434\/revisions"}],"predecessor-version":[{"id":448,"href":"https:\/\/dev1.selledesigngroup.com\/index.php?rest_route=\/wp\/v2\/pages\/434\/revisions\/448"}],"wp:attachment":[{"href":"https:\/\/dev1.selledesigngroup.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}