Deal Summary (3-Property Package)

Structure

Financing: Zero-down seller finance, 3.5% interest-only, 7-year term

Exit: 50/50 (sponsor’s take scales with ownership %)

Price: $1,500,000

Ops (from file): NOI $11,566.08/mo, Debt $4,375.00/mo, CF $7,191.08/mo, DSCR ~2.64×

CS Cash-in (baseline): $7,000 closing + 3% commission ($45,000) = $52,000

Option 1 — Stay at 20%

CS Share: $1,438.22/mo ($17,258/yr)

CoC ~33.2%

Payback ~36.1 months

Option 2 — Invert to 80% (Pay 1 year of my 80% CF)

Buyout price: $69,034

Total CS Cash-in: $52,000 + $69,034 = $121,034

CS Share: $5,752.86/mo ($69,034/yr)

CoC ~57.0%

Payback ~21.1 months

Compare: Option 2 delivers ~1.7× the CoC and ~15 months faster payback, plus 4× the exit participation (80% vs 20%).