Complete dashboard
Four charts — balances, HELOC interest, monthly cash flow, and personal cash position — with the $250 insurance correction applied.
Comprehensive multi-chart dashboard for the Olmos duplex deal showing loan balances, cumulative HELOC interest, monthly cash flow, and cumulative personal cash position with the updated $250 insurance assumption.
Insurance correction applied: rate sheet HOI $183/mo → realistic $250/mo. Monthly payment recomputed to $3,446.58.
Monthly payment
$3,447
Drops to $3,343 after PMI
Phase 1 cash flow
$53/mo
Rents $3,500 thru Oct 2027
Phase 2 cash flow
$453/mo
Rents $3,900 from Oct 2027
HELOC monthly
$630
$70,635 @ 10.20% (Figure)
Extra to HELOC from personal funds
1. Loan balances
How the mortgage and HELOC amortize down over time. PMI auto-cancels when the mortgage line crosses below the dotted threshold.
Mortgage
HELOC
78% LTV (PMI threshold)
2. Cumulative HELOC interest paid
The running cost of borrowing $70,635 at 10.20%. Curve flattens the moment HELOC retires.
3. Monthly cash flow
Property cash flow (rents − PITI) vs. what's left after the HELOC base payment. Three step changes: rent jump at month 17, PMI removal, and HELOC payoff.
Property CF (rents − PITI)
Net after HELOC base
4. Cumulative personal cash position
Net out-of-pocket position for Alex + Lauren combined. Starts at −$12,000 (initial cash). Goes deeper red while contributing to HELOC, then climbs back as property cash flow accumulates. Crossing zero = full cash recovery (excludes appreciation and equity buildup).
PMI falls off
—
From organic paydown only
HELOC paid off
—
Time to retire $70,635
Total HELOC interest paid
—
True cost of bridge financing
Cash break-even month
—
Excludes equity & appreciation
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