Four ways to look at this deal

Each view models the same underlying loan structure ($328,567 mortgage @ 7.625% + $70,635 HELOC @ 10.20%) but emphasizes a different question. Pick the one that matches what you're trying to answer.

⭐ Recommended starting point

Unified scenario model

All seven series on one chart with custom event support — add repairs, upgrades, or vacancies and watch every line shift together. Best for telling the whole story at a glance.

Mortgage HELOC Equity Personal capital Rent Cash flow
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5 charts · 30-year horizon

Full 30-year projections

Year-by-year model with rent growth (2.5%/yr from Y3), appreciation, and rising taxes & insurance. Three milestones flagged: stable, profitable, worth it.

Loan balances HELOC interest Cash flow Property value / equity Net wealth
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4 charts · day-zero economics

Complete dashboard

The original multi-chart breakdown — loan balances, cumulative HELOC interest, monthly cash flow, and cumulative personal cash position. Uses fixed rents and the $250 insurance correction.

Balances HELOC interest Cash flow Personal cash
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1 chart · money flow focus

HELOC in/out

Tracks three running totals: personal funds in, cash flow toward HELOC, and cash flow back to you post-HELOC. Best for answering "when do I get repaid?"

Personal funds in CF to HELOC CF to you
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8 presets · 30-year stress model

Stress test

Push every assumption to its breaking point — tax shocks, insurance crises, extended vacancy, 2008-style crash. Sliders for rent growth, expense escalation, refi rate, HELOC acceleration. Shows when the deal survives and when reserves get eaten.

Cash flow trajectory HELOC paydown Trajectory diagnostic Reserves survival
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Purchase price
$386,550
Olmos duplex
Mortgage
$328,567
7.625% · 30-yr · Guild
HELOC
$70,635
10.20% · Figure
Personal cash in
$12,000
Alex $7K + Lauren $5K
$734 HELOC payment is P&I, not interest-only. Per Figure's disclosure §(f), the loan fully amortizes each draw over the repayment period. Interest-only on $80,668 @ 10.20% = $686/mo; the actual $734 includes ~$48 of month-one principal. Principal share grows as the balance shrinks — standard amortization.