Note Appraisal Calculator
Estimate what your seller-financed note is worth to a note buyer in seconds. Enter your original note terms and we'll calculate your remaining balance, then discount the remaining payments at an investor's required yield — adjusted for lien position, ITV, seasoning, payer credit, and property type — to estimate the note's present value.
Educational estimate only — actual offers vary by note buyer, state, and due diligence.
Principal left after 24 payments.
13.0% below remaining balance.
From risk-adjusted model
Scheduled principal + interest payment.
Remaining scheduled payments.
Note value ÷ property value.
How the required yield is built up from the base rate and risk adjustments.
About This Note Appraisal Calculator
A real estate note is the promise to pay that a borrower signs when they purchase a property with seller financing — whether it's secured by a mortgage, deed of trust, or land contract. If you're the seller, you now hold a private note — a stream of monthly payments secured by real estate. At some point you may want to sell that note for a lump sum, and a note buyer will pay you the present value of the remaining payments discounted at their required yield.
This calculator works in two stages. First, it computes your current remaining balance using the original loan amount, note rate, term, and number of payments already made. Then it builds an investor's required yield from a base rate plus risk adjustments for lien position, investment-to-value (ITV), payer credit tier, seasoning, payment history, property type, property condition, and the state's foreclosure timeline — and discounts the remaining payments (plus any balloon) at that yield to estimate today's market value. A full yield breakdown shows exactly which factors are pulling the value up or down.
This is an educational estimate, not a guaranteed offer — real offers vary by note buyer, state, and due diligence findings. If you're structuring a new seller-financed note and want to design terms that maximize both cash flow and resale value, our full Flexi calculator lets you model wrap mortgages, amortization schedules, balloons, and tax benefits side-by-side.