Step 03

Build Your Offer

Pace's structure, your numbers

An interactive calculator preloaded with the real deal: down payment, wrapped senior note, and a seller-finance second with a 0% runway. Change any number and everything recalculates — your inputs stay saved on this device.

The deal

Purchase price($)Down payment($)Earnest money($)Refundable through DD; credited at close

Senior note (assume / wrap)

Balance($)Rate(%/yr)Amortization(yrs)

Seller-finance second

Amount is computed for you: price − down − senior = $1,300,000

Free-runway years(yrs)Runway rate(%/yr)Rate after runway(%/yr, interest-only)Note maturity(yrs)

Income (optional)

Annual net operating income($)From the seller's P&Ls (rent + fees − operating expenses, before debt). Leave blank to skip.

Where the $4,000,000 comes from

Your cash

$400,000 · 10%

Existing note

$2,300,000 · 57%

Seller carries

$1,300,000 · 33%

What it costs each month

Senior note (25-yr am)

$15,530/mo

Seller note, yrs 1–2

$0/mo

Total, yrs 1–2

$15,530/mo

Total, yrs 3–10

$18,780/mo

Balloon due year 10

$1,300,000

Cash to close (earnest credited)

$400,000

Runway years follow the LOI: 0% and no payments, no accrual. After that the seller note is interest-only, so the full principal balloons at maturity — refinance or sell before year 10, with no prepayment penalty.

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