Vizion Cost Savings Engine

Financing Optimizer — IO vs Amortization

Quick Scenarios

Loan Amount ($)

Interest Rate (%)

Term (Years)

Current Payment Type

Saved Calculations

Date	Loan Amount	Rate	Term	Amortized/mo	IO/mo	Monthly Savings	Annual Savings	Actions

Maximum Cash Flow: IO payments are lower, freeing cash for repairs, reserves, or new deals.
Leverage Spread: Borrow at 5.5% GL, deploy at 10-15% PML. The spread IS the wealth engine -- you need cash flow to capture it.
Equity Is Lazy: Equity locked in a property earns 0%. Cash redeployed at 10-15% compounds. Pay down principal only when there is no better use for the capital.
Tax Efficiency: 100% of IO payments are deductible interest. With amortization, only the interest portion is deductible -- the principal portion generates no tax benefit.
Velocity of Money: Keep capital moving. Every dollar trapped in equity is a dollar not earning a return elsewhere. Free & clear is a mindset -- cash flow is a strategy.
Exit Flexibility: With IO, you owe less in total if you sell early. No sunk cost in principal payments on an asset you are flipping or refinancing.

Cost Savings Engine