A real estate investing simulator and a browser extension that analyzes properties on Zillow.

I actually met with a lender who offers this product. https://www.allinoneloan.com/This looks like a waste of time TBH - I just followed the link and did the simulator it’s basically a mortgage tied to an automatic ACH checking that puts additional funds towards principal to “save years” on the life of the loans.

They pulled their credit report, used a simulator, and identified specific balances to pay down to boost their score.Here’s how the scores shifted:Before:TransUnion: 736Equifax: 750Experian: 730After:TransUnion: 775Equifax: 772Experian: 730That small move made a real impact:💰 Their rate buydown cost dropped from $5,408 to $3,288, saving them $2,120—all from planning ahead before locking in a loan.Lesson learned: Preapproval isn’t just a checkbox.

I understand that is the most ideal route, however, I have been trying to simulate what Christian Osgood and Cody Davis (appeared on BP Podcast #799) do.

We are saving around 50%+ of our income on a yearly basis, while also putting away for retirement and we would both like to get out from under the mortgage on our primary residence sooner rather than later.After plugging in some of our numbers to a spreadsheet to simulate a first lien HELOC it seems to indicate that we would be able to payoff our primary residence in ~10 years while also paying significantly less in interest from a conventional mortgage.

Quote from @Sebastian Geiman: Hey everyone,I'm currently exploring note loan investments and looking to take a deeper dive into simulating different scenarios with variables like origination fees, interest rates, and exit fees.

If credit is the issue, talk with your lender to run a credit simulation to see what actionable steps you can take to improve it.  

Steve Vaughn, I promise, building credit works in real life, if not in your son's HS simulation (though think about it-- if the "student" in the sim scenario has no income, but is borrowing $ to buy a car..yeah, that sim person IS a bad credit risk, and the 300 credit rating would be pretty accurate!). 

On my side of being a housing provider, we would "gross up" (I don't like that term, but that's what we use) the tax free income to basically simulate what it would be if it were normal taxable income.

Use pictures from google images to simulate before/after representations of a job similar to one you've had recently and ask what they would charge for something like this.