HELOC in/out
Three running totals: personal funds in, cash flow toward HELOC, and cash flow back to you post-HELOC. Best for answering "when do I get repaid?"
Visualization tracking cumulative personal funds put into the deal versus cumulative cash flow contribution toward the HELOC and cash flow received after HELOC payoff, showing when the investment crosses break-even.
Property cash flow services the HELOC first. Personal funds cover any shortfall on the $630 minimum, plus optional acceleration. Once HELOC retires, all property cash flow comes back to you.
$734 is P&I, not interest-only. Per Figure's disclosure §(f), the HELOC fully amortizes each draw over the repayment period. Interest-only on $80,668 @ 10.20% = $686/mo; the actual $734 includes ~$48 of month-one principal. Principal share grows as the balance shrinks — standard amortization.
Optional additional HELOC payment from personal funds
Total personal funds in
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Initial $12K + monthly contributions
HELOC paid off
—
Total interest paid
Personal funds repaid
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When CF received = personal in
Personal funds contributed
Cash flow → HELOC
Cash flow → you (post-HELOC)
HELOC paid off
Personal funds repaid (break-even)
Drag the slider to see how adding extra accelerates the timeline.