Sam Gorman

Calculate NPV from period or dated cash flows and see each row’s discount factor, present value, and running total.

Compare multiple student loans and refinance offers by monthly payment, total interest, total cost change, and lowest-cost offer.

Estimate deductible mortgage interest, compare itemizing with the standard deduction, and account for HELOC or cash-out loan use.

Estimate rental loan payment, cash flow, DSCR, cap rate, cash-on-cash return, and a stress test for rent, rate, and vacancy.

Estimate commercial mortgage payments, DSCR, balloon balance, interest-only payments, and simple exit payoff.

Estimate monthly payment, interest, total paid, fees, and project cash after fees for a home improvement loan.

Estimate HECM cash after payoff, line of credit growth, monthly draws, loan balance, and future home equity.

Estimate seller-financed monthly payments, balloon balance, payoff month, and how extra principal changes the deal.

Compare a fixed-rate loan or MCA with fees, cash received, total cost, payment, and cost per $1,000 received.

Estimate invoice factoring fees, cash advance, reserve release, net cash, and annualized cost with optional extra fees.