Turn property numbers into client-ready decisions

Client-ready reports turn a verified Seller Net Sheet or Buyer Closing Costs estimate into a clear explanation that the agent can edit and approve. The approved wording is then included automatically in the branded PDF and secure share link. Sumline does not change the calculator results, and nothing is shared until the agent approves it.

A seller net sheet is an itemized estimate of a home seller's net proceeds at closing — sale price minus mortgage payoff, agent commissions, title and escrow fees, transfer taxes, and prorations. Real estate agents use it during listing appointments to set realistic price expectations.

Start with the expected sale price, then subtract the outstanding mortgage balance, listing and buyer-agent commissions, state and local transfer taxes, title insurance, escrow fees, prorated property taxes, and any seller concessions. Sumline automates this with 2026 US transaction defaults so you can hand a client an accurate number in under a minute.

Cap rate = Annual Net Operating Income ÷ Purchase Price. NOI is gross rental income minus operating expenses (taxes, insurance, management, maintenance, vacancy) but before mortgage payments. A 6–8% cap rate is typical for US residential rentals, though strong markets often trade lower.

Cash-on-cash return = Annual Pre-Tax Cash Flow ÷ Total Cash Invested. Most US investors target 8–12% cash-on-cash on long-term rentals. Sumline's investor analyzer shows cash-on-cash alongside cap rate and total ROI so buyer's agents can vet deals on the spot.

Yes. Estate Pro ($149/year or $19/month) unlocks unlimited client-ready packages with full white-label branding — upload your headshot, brokerage logo, and custom header/footer copy. Every new account can create one complete Seller Presentation Package free to see exactly how it looks.

The calculators are free to use, always. Your first complete Seller Presentation Package — the numbers, a plain-English explanation, a branded PDF, and a secure client link — is free with no credit card required. To keep sending client-ready packages, Estate Pro is $149/year or $19/month. If you only need one more, a single seller or buyer client package is $5 one-time. Saved scenarios and history are included free.

Yes. Use the Embed button to copy an iframe or script snippet onto your site. The embedded calculator captures seller leads directly to your dashboard and works on every modern agent website builder.