Real Estate Investment & Finance

Explore promissory note provisions for real estate loans, including loan components, amortization basics, defaults, security, and terms like assumability and future advances.

Clarifies the difference between the note and the mortgage, and who is mortgagor versus mortgagee. Outlines important covenants, insurance requirements, subordination, foreclosure, and short-sale implications for real estate financing.

Explore Chapter 7, Chapter 11, and Chapter 13 bankruptcy in real estate finance, contrasting liquidation with reorganization, creditor priority, and debt relief for individuals and businesses.

Master the time value of money and its four categories. Learn how to compute future value and present value for single amounts and annuities, using formulas, Excel, or financial calculators.

Examine the present value concept, comparing today’s dollars to future amounts under inflation and risk. Use PV formulas, charts, and Excel PV tools to evaluate cash flows.

Compute the future value with monthly periods by converting 12 percent to a 1 percent monthly rate over five periods, using tables or Excel's FV function.

Explore the relationship between present value and future value using formulas, tables, and Excel, and calculate examples with 10,000, five years, and 15 percent to solidify understanding.

Apply the present value of an annuity by discounting three equal payments to today using the PV formula, tables, or Excel, illustrating today’s vs future dollars.

Learn to compute the present value of a 3-month annuity with months as periods, using a 1 percent monthly rate from a 12 percent annual rate, via table or Excel.

Explore the future value of annuities by comparing present value, future value, and series of cash flows, with interest rates and the time value of money concepts.

Compute the future value of a monthly annuity by converting the annual rate to a monthly rate and applying tables or excel methods for three payments of 10,000 at 12%.

Analyze present value of cash flows for a capital investment at a 12 percent rate from year zero to five, including salvage value and various PV methods.

Explore present value terms in capital budgeting and the time value of money. Understand discount rate concepts, inflation, and opportunity cost; IRR and NPV for cash flows.

Explore net present value assumptions, including a single, unchanged discount rate across the project life. Treat cash flows as occurring at one point per period for PV calculations.

Explore multiple methods to calculate future value, including the algebraic formula, Excel-based calculations, and future value tables, using a $10,000 investment over three years at 8%.

Explore present value calculation using a math formula, excel, and tables, applying a 5% discount rate over 12 years to compare future value scenarios.

Explore future value calculations comparing annual versus semiannual compounding, using 15,000 at 10% over 11 years and 18 periods at 5% per period, with Excel and tables.

Compare lump-sum today versus future payments using present value and discount rates, considering inflation and opportunity cost. Use present value formulas, tables, and Excel goal seek to find break-even rates.

Examine present value calculations with side-by-side discount rates, comparing a future 100,000 to today’s 20,000 using formula, Excel, and tables to illustrate break-even at about 5.51 percent.

Practice present value calculations, including present value of one and annuities, considering inflation and opportunity cost, to plan investments with 12% rates over 9 years.

Explore how to compute the future value of uneven investments using formulas, tables, and Excel, including a two-stage projection with varying rates of 11% and 15%.

Calculate the future value of uneven investments using present value and annuity formulas, running balances, and Excel, with rate changes from 11% to 15% over 10 and 12 years.

Calculate the present value of an annuity of 11,000 per year for 18 periods at 14 percent using a running balance table or Excel. Explore present value concepts.

Compute the present value of an annuity and the present value of one using a 14 percent rate, 40,000 yearly payments over 14 years, with Excel and table methods.

Learn to value uneven payments in real estate investment and finance by splitting cash flows into an annuity and a balloon payment, using formulas, Excel, or tables at 12 percent.

Apply the future value formula to a $35,000 present value for a collectible at 11% over 14 years. The lecture covers running balances and Excel tables.

Explore how to determine the time to double or triple a real estate investment using the future value formula, Excel tools, and methods like goal seek.

Apply present value to estimate three-year stock returns and sale from dividends and final sale. Use present value and annuity calculations in Excel for clarity.

Explore future value calculations with quarterly compounding using the future value formula, present value times (1 + rate) to the power of periods, and compare to yearly compounding.

Compare the future value of a $15,000 investment at 8% over 10 years with annual, semiannual, and quarterly compounding using the formula, Excel calculations, and table methods.

Learn to reach a 30,000 goal by comparing a single payment present value with an eight-payment annuity at 12 percent over 12 years, using Excel goal seek.

Learn to determine the rate for a present value of an annuity problem given 60,000 investment and 5,500 payments for 20 periods, using algebra or Excel goal seek.

Calculate the present value and future value of the 26,000 annuity for retirement, to determine the lump sum and annual contributions over 25 years at 10% and 12%.

Explore the present value of a deferred annuity with 25,000 payments starting in two years at 14 percent, using methods: annuity value back to today, or value of each payment.

Explore the present value of a deferred annuity starting two years from today, with 25,000 payments over 10 years at 14%, and two methods to bring values to today.

Analyze a 55,000 loan with eight years of grace at 10% and 16 payments at 14%, using future value and present value of annuity to compute the payment.

Explore home loan payment calculations using present value of an annuity, compare yearly and monthly payments, and apply Excel tools (PV, PMT, goal seek) to build amortization tables.

Explore calculating the future value of a semiannual annuity with a rate change from 10% to 12% over 15 years, using algebra, tables, and Excel goal seek.

Explore how to calculate future value using multiple formats in Excel, tables, and financial calculators, with a running balance and a three-year, 8% example.

Explore present value (PV) calculation in corporate finance with Excel, PV function, and tables to discount future cash flows and compare formats.

Compare annual and semiannual compounding in Excel to calculate future value for a 15,000 present value over 11 years at 10 percent, using formulas, tables, and running balances.

Apply present value concepts to real estate finance decisions using Excel to compare a future 50,000 versus today 1,000, using discount rates, PV formulas, and goal seek.

Compare the present value of 100,000 in 30 years using 12% and 5% discount rates in Excel, and explore a break-even rate with Goal Seek.

Apply corporate finance techniques to calculate present value for a lump sum and for an annuity, using math formulas, Excel, and tables in a planning scenario.

Master the future value of an annuity through Excel worksheets, algebraic formulas, and tables, practicing with running balances and future value calculations under various rates and periods.

Compute the present value of an annuity of $11,000 for 18 years at 14% using math formulas, running balances, Excel PV, and table lookups.

Master present value of uneven payments with an annuity and a balloon payment over 30 years at 12 percent, using Excel formulas for present value and present value of one.

Calculate the future value of an annuity in Excel using the annuity formula and the future value function with a 2,500 payment, 12 periods, and 9 percent rate.

Explore how long it takes for an investment to double or triple by applying the future value formula, running balance tables, and Excel Goal Seek analysis at a 6% rate.

Learn to calculate stock returns and a stock sale using present value of one and Excel functions, comparing dividends and sale proceeds across years to estimate total value.

Apply quarterly compounding to a future value problem in Excel, using present value, quarterly rate adjustments four quarters per year, and a five-year horizon, with table and formula approaches.

Compute the present value of an annuity due with 4500 per period at 12% using Excel, beginning-of-period payments, running balance calculations, and annuity tables.

Compare current payment, annuity, and future payment options using present value analysis in Excel, evaluating discount rates to choose the best alternative.

Compare a lump-sum investment versus an annuity to reach a $30,000 goal in 10 years using present value calculations and Excel tools like goal seek, with tables and annuity formulas.

Calculate rate of return using the future value formula in Excel, solving for rate with algebra and goal seek in a stock (200 shares, $20 cost, $31 sale).

Learn to back into the interest rate from an annuity using Excel's present value of annuity, goal seek, and algebra, with a $60,000 investment and $5,500 payments for 20 years.

Demonstrates calculating annuity payments from a 500,000 investment over 25 years at 10% using algebra, present value of annuity, and Excel tools like goal seek.

Apply the present value of annuities and the future value of annuities in an Excel retirement scenario, using 10% during saving and 12% during retirement, and use goal seek.

Learn to calculate present value for uneven payments using present value of one and annuity methods in Excel, including multiple cash flows and present value tables.

Explore an Excel-based corporate finance problem analyzing a 55,000 loan: eight-year growth at 10%, then 16 payments at 14% using future value of one and present value of an annuity.

Compute home loan payments using present value and annuity formulas in Excel, comparing annual and monthly payments, and using goal seek to build amortization tables that analyze interest and principal.

Explore real estate investment and finance basics by computing the future value of an annuity under a rate change with Excel, semiannual payments, and goal seek to reach 400,000.

Explore present value and future value of annuities in an Excel-driven college savings scenario, projecting 40,000 per year for four years, with a five-year horizon and a 9 percent rate.

Discover how mortgage interest rates arise from the real rate plus inflation expectations and risk premiums, with defaults, prepayment, liquidity, and legislative risk, all driven by real estate demand.

Explore fixed-rate mortgage loan terms, including fully and partially amortizing structures, balloon and interest-only options, and the risks of deviation from the industry standard.

Analyze mortgage payment patterns and amortization, showing how fixed payments split into interest and principal. Extending loan maturity lowers payments but increases total interest, with tax implications.

Understand loan closing costs in real estate, including origination, taxes, insurance, and title fees, with lender estimates and closing disclosures guiding 3–6 percent of the purchase price.

Explore the first half of closing costs and their definitions, including application fees, attorney fees, escrow charges, and FHA mortgage insurance premium as part of loan costs.

Explore the second half of real estate loan closing costs, detailing itemized fees from origination to underwriting, including PMI, appraisals, and rate locks, varying by lender and location.

Explore mortgage points, including origination vs discount points, their costs at 1% of loan, tax deductibility changes, and how time horizon and cash flow determine whether rate reductions justify payments.

Learn how the Truth in Lending Act standardizes disclosures of the annual percentage rate, loan terms, and costs to help consumers compare home loans and protect against misleading practices.

Learn how reverse mortgages let seniors 62+ tap home equity for retirement through lump sums, fixed monthly payments, or a line of credit, with loan repayment at death or sale.

Create a one note loan amortization schedule in Excel for a 500k home with 20 percent down, 5 percent rate, and a 30-year term, with automatic updates and no tables.

Build and compare an Excel amortization schedule with a table and slicer, calculating payments, interest, and loan balance, while comparing to online calculators for flexibility.

Learn to build a real estate amortization schedule in Excel using a table and a pivot table to summarize year-by-year payments, interest, and year-end loan balance.

Change the rate in a one note amortization schedule to see effects on payments, interest, and loan balance, and explore year-by-year projections and pivot-table analysis in Excel.

Analyze how changing the home value while holding other factors constant affects monthly payments and the amortization schedule using Excel tools like pivot tables and amortization calculations.

Explore how changing loan terms affects the amortization schedule and payments while keeping loan amount and rate constant, using Excel exercises, OneNote, and pivot tables.

Explore how altering the payment in a 30-year fixed real estate loan affects the interest rate using an amortization schedule, with Excel worksheets and year-by-year analyses.

Explore how changing the monthly payment affects home value in a 30-year, 5% loan with 20% down using an amortization schedule, present value, and pivot tables in Excel.

Analyze mortgage points, their impact on rate and payments, and how to use Excel, IRR, and effective rate to compare cost and determine break-even points.

Explore how points on a $200,000 30-year mortgage affect payments and rates, using pivot tables to summarize amortization and assess IRR and break-even points.

Explore break-even analysis for mortgage points in a 200,000, 30-year loan, calculating the effective rate and IRR to compare paying points versus no points.

Real estate investment break-even analysis uses pivot tables to compare points versus no points, exploring amortization, effective rate, and IRR across loan scenarios.

Explore the lender credit method, comparing upfront lender credits to closing costs and rate increases, and assess the effective rate, break-even, amortization, and the internal rate of return.

Explore how to structure a $300,000 30-year loan to pay early, compare scenarios, and use Excel amortization tables to see impact on interest, balance, and irr.

Compare rolling closing costs into the loan versus paying upfront in a 30-year real estate loan, analyzing effective rate and IRR to reveal break-even points.

Explore building a 360-period monthly amortization schedule in Excel for a $400,000, 30-year, 5% loan with 20% down, using example, practice, and blank tabs to teach setup, formulas, and checks.

Build a year-by-year amortization schedule in Excel using a table and slicer to filter 30 periods, then explore pivot tables for enhanced breakdown.

Explore how changes in home value and loan amount affect payments, interest, and amortization in an Excel-driven real estate finance exercise, using pivot tables and dropdowns for side-by-side analysis.

Explore how changing the payment in an Excel amortization schedule, with a constant loan amount and 30-year term, affects the required rate and real estate finance pivot table analysis.

Use an Excel amortization schedule to see how payment changes impact home value, while holding rate and term constant, and leverage a pivot table and dropdowns to compare scenarios.

Analyze how payment changes in an Excel amortization schedule alter loan term, while rate and down payment stay constant; use rounding and pivot tables to compare interest and principal.

Explore points on a 200k mortgage, show three options (no points, pay points, pay down), calculate rate reductions, payments, and compare with effective rate and IRR.

Analyze real estate loan math in Excel, focusing on points, pivot tables, and effective rate. Compare no points, points to lower rate, and using points to pay off the points.

Explore real estate investment analysis in Excel by evaluating points and break-even point, comparing loans with and without points, calculating effective rate and IRR, and interpreting amortization impact.

Analyze lender credit method one in real estate investment using Excel to compare upfront closing costs funded by a lender credit versus a higher rate and assess the effective rate.

Compare upfront closing costs versus lender credits in real estate financing using the Excel lender credit method two, including calculating the effective rate and break-even IRR.

Build and compare Excel amortization schedules for a $300k, 30-year loan at 4%, testing early payments with 10% yearly increases and using irr and pivot tables to evaluate outcomes.

Explore an Excel real estate amortization table template with T1 and T1f tabs, adjustable loan inputs, internal rate of return, and year-by-year pivot analysis for loan comparisons.

Explore fixed rate, adjustable rate (arm), and price level adjusted mortgage (plam) loans, their risks, caps, and inflation effects, and compare them to the baseline fixed-rate mortgage.

Explore the adjustable rate mortgage (arm), its fixed period, index plus margin structure, and how caps or payment caps hedge risk for borrowers while shifting risk to lenders.

Explore the shared appreciation mortgage (SAM), where the borrower and lender share appreciation in exchange for a lower rate, with contingent interest, phase-out clauses, and various structures.

Explore adjustable rate mortgages with no caps, compare to fixed-rate loans, and analyze amortization tables, index, margin, caps, cash flow, and IRR in Excel.

Explore adjustable rate mortgages with rate caps, comparing arm and fixed-rate 30-year loans. Build amortization schedules, apply annual and lifetime caps, analyze payments, IRR, and cash flow in Excel.

Explore adjustable-rate mortgages with a payment cap, compare to rate cap ARM structures, and understand negative amortization, payment vs rate calculations, and impact on amortization and IRR.

Learn how a price level adjusted mortgage (plam) shifts inflation to the loan balance annually, compare it with fixed and arm loans, and model results in Excel.

Explore a shared appreciation mortgage, comparing a 95,000 loan to a standard 30-year fixed. Analyze the lender's 30% share of property appreciation and the internal rate of return.