The Maximum Payment Offer - MPO

You may have heard about the Maximum Allowable Offer or MAO. If not, read all about it here. Today we talk about a way to structure a creative offer on a property using what we call the MPO or Maximum Payment Offer.

The goal here is monthly cash flow. Start with your monthly income and minimum desired monthly cash flow and work backwards from there.

The first components are fixed expenses which you cannot change. They include:

1. Payments, including underlying mortgage, taxes, or insurance payments, or

2. Realities you cannot ignore, repairs, maintenance, management.

Any remaining income is available to use in negotiating with the seller. Your resulting deal structure could be a wrap-around mortgage, with a purchase-money loan from the seller, seller-financing, or purchase subject to existing financing.

MPO = Income - Targeted cash flow - fixed expenses - negotiated expenses

Click here and see a real world example where we bought a house at full asking price with only $20,000 equity when we closed and in two years made over $30,000.

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