Estimates only. Exact figures arrive with your written terms, typically the same day.
What this calculator tells you
The Morby Method - also called the Stack Method - combines a seller-carried note with a primary lender so the capital stack covers the purchase. The purchase analysis tab answers the question that decides the deal: can you close this structure? It checks that the seller carry can repay the transactional funding and fees, caps the funding accordingly, and shows exactly what lands on you at the closing table - cash to bring, or cash back.
Then flip to the cash flow analysis tab: a full monthly rental P&L on the same numbers - vacancy, taxes, insurance, maintenance, CapEx, property management, both loan payments, the carry balloon, and your DSCR. Whether you can close it and whether you should keep it, on one card.
How to use it
- Enter the purchase price, the seller carry, and the primary lender's percentage - the dollar equivalents show beside each field.
- The fee fields are pre-filled estimates and every one of them is editable - exact figures come with your written terms.
- Watch the result flip between cash to close and cash back as you adjust the structure.
- Flip to cash flow analysis to see the property as a rental - payments, balloon, and DSCR included.
Want the full mechanics? Read the Morby Method deep dive or ask in the community. When the numbers work, hit Submit - the funding request pre-fills from your calculator inputs.
Got a deal? Get funded. Real quick.
Two-minute form · same-day decisions on most deals · all 50 states.