Where Does My Down Payment Go?

The software doesn’t have a separate line item for “Down Payment” because your down payment is already included in the "Cash Required" line:

• For a Flip deal, that’s line 24 = "Cash Required (over life of project)"
• For a Hold/BRRRR deal, that’s line 39 = "Cash Required (prior to refi)"

Here’s how it works:

• Line 23 (Flip) or Line 38 (Hold/BRRRR) = the amount funded by the lender.
• Line 24 (Flip) or Line 39 (Hold/BRRRR) = the amount not covered by the lender (your cash into the deal, including the down payment, or funding from a secondary lender).

These lines are automatically determined by your inputs and how the deal is modeled. Try adjusting different numbers in the deal and you’ll see how that changes the cash required. Also, keep in mind that line 9 (How much the lender is financing) has a major impact here.

So rather than entering a down payment directly, the software automatically backs into the total cash required from you — which already includes the down payment — based on your deal inputs.