Cash Flows



enter value  Your home’s projected purchase price

Cash Flows

Cash Flows tool
Tool Wheel: 18 Tools

Tool box included in HomeToHome

Using Cash Flows

Two views of the same home

Have you ever wondered if your next home would “pencil as an investment” vs. as your primary residence? Here’s the tool that gives you both views at once.

Many foresighted home buyers buy a home and then keep it as a rental after living in it. People love the tax savings and cost of ownership benefits. It’s a great way to build wealth. Cashflows estimates the monthly out-of-pocket expense AND income as a rental, together!

If you’re currently renting,

Cash Flows can enlighten you as to your affordability prospects. Your monthly outgo looks a lot better when considering tax deductions for example. Cash Flows gives you the side-by-side comparison of these two versions of your living expense.

Cash Flows does your heavy lifting- Complex calculations from one simple form.


DISCLAIMER: CashFlows cannot consider all the complexities of the tax codes and your financial situation. Consult a licensed professional before making decisions.

  • Whether it’s home ownership or rental property, Cash Flows helps when understanding affordability and profitability.
  • Estimate monthly income your home can give you as an investment today and in the future.
  • Summary: A breakdown of Cash Flows costs & benefits you receive monthly & annually.

Art of Negotiation

Client Leverage : Define your Market Frame

Cash Flows are important for loan qualification. For investments, cash flows often drive sales price.

Your agent’s profile: 6 qualities that influence your home’s price

Strategically choose your Agent. Your Agent’s Profile (below) affects all stages. Use HomeToHome’s Agent AQ Search to choose your agent. Review their Agent Service Plan and use your Guide’s checklist to evaluate.

  • Client Preparation: Educate client for each stage, strategically prepare clients.
  • Market Alignment: Align client to inventory, pricing, timing, and opportunity.
  • Property/Purchaser Acquisition: Identify best properties/buyers for client’s needs.
  • Negotiation: Maximize value for client: negotiate & execute purchase.
  • Vendor Management: Coordinate inspectors, appraisers, lenders, contractors, etc.
  • Execution: Orchestrate all elements of a purchase agreement to protect client’s interests.
($) Client Preparation
($) Market Alignment
($) Property/Purchaser Acquisition
($) Negotiation
($) Vendor Management
($) Execution

6 key factors that effect a home’s value

Home Leverage Profile reflects property characteristics, the seller’s timing & motivation, and the market. Use HomeToHome’s MarketPrice and RateThisHome to maximize Home Leverage.

  • Home condition : Size, location, age, structural integrity, upgrades, staging, curb appeal
  • Market Conditions : Comparables: active, pending, recently sold. Local economy
  • Marketing : Price strategy, media creation, target buyer type, advertising campaigns
  • Market Timing/Buyer Pool : Maximize demand of qualified buyers
  • Seller Position : Timing, motivation, & equity position
  • Title condition : Clean, encumbered, restrictions, CC&R’s, liens, etc.
($) Home condition
($) Market Conditions
($) Marketing
($) Market Timing/Buyer Pool
($) Seller Position
($) Title condition

Your value profile: 6 key factors that effect your home’s price

The 6 factors of Buyer or Seller “readiness” qualifies the client’s option to act decisively and favorably. A strong buyer is more attractive to a seller. They’re more likely to close the sale on the home. Similarly, a strong seller is already prepared and aligned with the market. Use your Lender’s Finance Plan and Profile, LoanSense and CashToClose tools to sharpen your negotiating position.

  • Representing Agent: Expertise, competence and integrity
  • Home: Expectations, location, condition, and list price
  • Finances: Loan(s), cash position, equity, tax considerations
  • Motivation: Readiness and desire to execute
  • Execution: Client’s ability to cooperate with trust and honesty
  • Credit: Client’s understanding of significance, qualification process, and true cost of credit
($) Agent
($) Home
($) Finances
($) Motivation
($) Execution
($) Credit

Home’s Price Profile: 4 key factors that determine a home’s value

After you have optimized your Home’s Leverage Profile, your Agent influences the Home’s Price Profile in your favor. The Home’s Price Profile is determined during negotiation between the Buyer & Seller. The Price Profile is described by these 4 factors:

  • The List Price is the advertised price of a home. It should not be confused with a Market Price or Sold Price.
  • The Home’s Market Price is the expected sales price of what a ready, willing and able buyer will pay.
  • The Home’s Appraised Value, conducted by an independent professional on the Lender’s behalf, may affect the buyer’s ability to purchase.
  • The Home’s Sold Price is the negotiated price that the seller is willing to accept and a buyer will pay.
($) List Price 70% correlation (est.)
($) Market Price 90% correlation (est.)
($) Appraised Value 80% correlation (est.)
($) Sold Price 100% correlation (est.)

Use HomeToHome’s HomeScene tool to generate different Term Sheet scenarios when negotiating for your most favorable Sold Price.

How to use Cash Flows

1. Answer questions in your Cash Flows form

Compare up to 30 scenarios

Cash Flows Form
Cash Flows Form

2. Cash Flows does the work

Cash Flows output 2
Cash Flows output 2
Cash Flows output 1
Cash Flows output 1
Cash Flows Summary
Cash Flows Summary