Calculated Industries 2128 Qualifier Plus Training Program Workbook For Product Details The Qualifier Plus Training Program Workbook shows you how to use both the basic and advanced functions of the Qualifier Plus IIIx and Qualifier Plus IIIfx calculators. This comprehensive workbook starts with the basics and finishes with cashflow analysis. With every function and feature of the calculators covered, you will be able to give your clients answers they can rely on. Module I of the workbook provides a comprehensive overview of the financial keys along with a glossary of terms so you know exactly the information you are inputting and how to interpret the answers generated. Talk to your clients about appropriate sales prices, down payments and loan-to-value. Determine payments, monthly (P I) payments, PITI, and total payments. See how to amortize a loan and determine if your clients qualifies for a loan. Module 2 shows more advanced qualifying techniques including qualifying with various ratios. You also learn about different payment options including bi-weekly loans, adjustable rate mortgages, interest-only payments and more. This section also talks about balloon payments, estimated tax savings; rent vs. buy comparisons and future value. You will also learn how to calculate prices and yields along with trust deeds and combo loans. Of course, you will cover how to calculate points and fees as well as calculating commissions. In this module, you will also look at the Truth in Lending Statement. Lastly in this section, you will learn to change preference settings. An introduction to commercial investment is addressed in Module III. This section starts with the property profile form then jumps into looking at two cash flow equations as well as cash on cash calculations. You will look at the gross rent multiplier (GRM), cost per square foot and capitalization rate. You will review the uneven cash flows and the ?Cash-Asset-Cash? Model. You will finish up the workbook by looking at how to determine the internal rate of return and net present value. MODULE I of this workbook covers the basic functions of the calculators showing you how to solve several advanced real estate finance functions, including rapid and accurate qualification scenarios. MODULE II of the workbook features advanced real estate finance concepts, including Bi-Weekly and Balloon Payments, Future Values, Adjustable Rate Mortgages (ARM), Combo Loans, and more. MODULE III looks at real estate investment and commercial lending concepts specifically for the QPIIIfx calculator only. Multiple Cash Flows, Internal Rate of Return (IRR), Net Present Value and Net Future Value (NPV/NFV) are addressed in detail. WORKBOOK SPEAKS YOUR LANGUAGE with topics clearly discussed in common residential mortgage finance terms; this workbook is easy to use on all realty financing matters from finding a loan or finding remaining balances or balloon payments and more. CONFIDENTLY AND EASILY SOLVE clients? financial questions whether they?re buyers, sellers, investors or renters. Increase your real estate professional skills. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows. Payment We accept PayPal and credit cards via PayPal. Taxes - US We collect sales tax, as required by law. Shipping We make every effort of shipping within 3 business day of payment clearing. The estimated delivery time is 2 - 5 business days from the shipping date. Policies If you do need to return your item, please contact us via email (you will receive an email when your product ships with additional details - Subject: Important information about your purchase). You will then be provided with a return shipping label and packing slip. Pack the item carefully. Include the packing slip, apply the shipping label, and return the item within 30 business days of the date you request a return, or your return will be canceled. Once we receive your order we will inspect the return. Please allow up to 5 business days of receiving the returned item for your refund.