Back40 Slow Flip Calculator
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The Slow Flip Calculator

Buy a property on one note, resell it to a retail buyer on a second, better seller-financed note — and see your down-payment spread, monthly cash flow while both notes run, and total profit once your note is paid off. This is a free taste of the full Back40 deal-evaluation platform.

💵 Down-payment spread📆 Phase 1 + Phase 2 cash flow💰 Total profit over full term

Subject Property

Paste any address, then jump to Zillow / Redfin / satellite to pull the numbers.

Buy Side — Your Note

$
$
$

Sell Side — Buyer's Note

$
$
$
$

Tax + Insurance Escrow & Goal

$
$
Total profit over full term
$0
Phase 1 + phase 2 cash flow, plus down-payment spread
—

Down Payment Spread

Your down payment (out)$0
Buyer's down payment (in)$0
Down payment spread$0

The Two Notes

Your noteBuyer's note
Financed amount$0$0
Rate0%0%
Term (years)00
Monthly P&I$0$0
Buyer's total incl. escrow$0
Monthly tax + insurance escrow held$0

Cash Flow — Phase 1 (Years 1–5, both notes active)

In (from buyer)$0
Out (to your lender)$0
Less escrow held$0
Net monthly cash flow$0
Net annual cash flow$0

Cash Flow — Phase 2 (Years 6–15, your note paid off)

In (from buyer)$0
Less escrow held$0
Net monthly cash flow$0
Net annual cash flow$0

Totals Over Full Term

Total paid to your lender$0
Total received from buyer (+ down)$0
Total profit$0
Deals needed for goal
0
Monthly goal
$0
Phase 2 covers goal in
—

Exit Strategy — Note Arbitrage

Financed portion (price − down) $0
Cash required up front (down payment)$0
Total profit over full term (cash basis)$0

You buy the property outright with cash, then resell on a seller-financed note. Every buyer payment after down is pure return — no lender payment to service.

Your Note — Amortization (first 12 + every 12th month)

Mo.PaymentPrincipalInterestBalance

Buyer's Note — Amortization (first 12 + every 12th month)

Mo.PaymentPrincipalInterestBalance

This is one of 12 deal-evaluation tools.

The full Back40 platform also runs wholesaling, flips, BRRRR, seller-finance, multifamily, land, storage, RV parks, NNN — with a Deal Feed, Follow-ups, and lender matching built in.

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Back40 · back40rei.com · What is a Slow Flip?
Educational estimate only — not financial advice. Verify numbers with a real lender, title company, and your own underwriting before acting.