EZMoney & Agents Tools

EZMoney - Solves ALL your money problms!
Price: $29

EZMoney solves various Real Estate financial problems like:

The Difference between Rent and Mortgage Payments - why you should buy!
What Income is required for 'x' Amount of a Loan.
How much sooner your Loan is Paid Off by making OverPayments.
What are the monthly payments using a Variable Rate Loan.
What is the Pay Off Amount and what is the Equity when selling a property.
What Amount to Save each month for a Lump Sum after 'x' years with 'x' interest rate (and how inflation affects that Sum).
If you receive monthly payments (an annuity), What is that Money Worth in Todays Dollars after Inflation.
A Property Value in 'x' years with 'x' inflation rate.
The Inflation Rate if you know the Purchase Price and the Current Value.
The Yield to Maturity on a 2nd or Bonds.
Which Loan to pick based on points, interest rates, fees, etc...

The Payment Calculator calculates a monthly payment based on input of the Interest Rate, Number of Years of Loan, and Starting Balance (amount financed). The results show a monthly payment figure, total Interest to be paid, total Principal to be repaid, and total Interest and Principal.

The OverPay Calculated Payment Calculator allows users to make a regularly scheduled 'overpayment' (any amount over the required monthly payment) and the results show how this overpayment reduces the loan term and the interest saved.
The Amortization Tables detail each Interest payment, Principal payment, and Loan Balance for each month and each year for 30 years. Cumulative Interest and Principal totals for each and every year shows how different interest rates affect these totals.

Irregular OverPayment fields in the tables allow entry of an overpayment for any month and results show the reduction in interest costs and the reduced term of the loan.

Remaining Mortgage Balance calculates a remaining balance, interest paid to date, principal paid to date for any point in time during the loan life. A great tool for determining the equity in a property when selling a property.

Two different qualifiers (EZQualifier and Qualifier) determines whether or not your prospective buyers have the income to qualify for a loan based on input of their income, debt service, property tax rates, property insurance rates, income to debt ratios, and debt to income ratios.

The Variable Rate Calculator shows various payments for a variable rate loan. Users can customize the amount of incrementation (you can show loan payments increasing by 1/4 point, 1/3 of a point, 1/2 point, full point, etc...)to see the various affects of increasing or decreasing interest rates.

The Sinking Fund calculates what payments are required to put away each month when saving for a lump sum. Based on the input of the lump sum needed and the number of years that savings will be put away, users can see how much to put away each month and how interest rates paid on monthly savings affect that lump sum. Also included is an inflation discounter which shows the value of that future lump sum, less inflation, in today's dollars. Great for determining what amount to put away for a down payment or for a retirement fund.

Present Value of Mixed Streams of Cash Flow takes yearly cash flows of any amount and the required ROI (return on investment) as data input and then shows the Present Value of those cash flows as the results. You can compare investments based on the input of expected cash flows and your required ROI (i.e. you can determine what rents are required to keep pace with or beat inflation).

Future Property Values calculates what a property will be worth in 'x' years based on input of the purchase price, assumed rate of inflation, and number of years held. A reverse calculator allows users to input the Purchase Price, Current Market Value, and Number of Years (property is) Held to calculate the appreciated value.

Yield to Maturity calculates what the Yield of a 2nd note or bond plus the monthly interest payments to be received based on the input of Face Value, Purchase Price, and Interest rate. A reverse calculator shows what you should pay for that note based on your required Yield and Purchase Price.

A Rent/Buy Analyzer compares the money spent on rent versus building equity in buying a property. A great tool in showing the difference between money spent on rent versus capital accumulation in purchasing a home.

Loans Compared compares 3 different loans based on fees, points, and interest rates and is a great tool when trying to see the TOTAL costs for various types of loans.

Hardware/OS Requirements:
Mac: Mac OSX and Microsoft Excel
Windows: Windows XP or Windows 2000

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