Owner Financing Calculator

I built this calculator because I spent my first year of land investing building the same amortization spreadsheet over and over for every deal I was underwriting. Most raw land sells on owner financing — banks don't mortgage vacant parcels — so if you're serious about the business, you're going to do this math a lot.

Punch in a purchase price, down payment, interest rate, and term and you'll see the monthly payment, total interest, and a 12-month amortization preview. It's the same math NoteServ runs automatically inside LandDrive once you actually sell a property — except NoteServ also handles autopay, late fees, 50-state compliance, buyer portal, and 1099s while you're not looking.