Buy & Hold Calculator Question

[Mike Becher]

Basic Purchase Info

• Purchase Price: $89,900
• Closing Costs: $32,101.80 (covered by Private Loan - see below)
• Est. Rehab Costs: $8000 (covered by Private Loan - see below)
• Remaining Mortgage: $57,400 (covered by Owner Balloon Note & Mortgage - see below)

I am purchasing a buy and hold duplex, as well as covering rehab costs, through the following:

1. Private Loan | covers closing & estimated rehab costs

• Loan Amount: $40,000
• Amortization Period: 30 years
• Loan Term: 5 years
• Interest Rate: 6% 

2. Owner Holding Papers | covers remaining mortgage

• Loan Amount: $57,400
• Amortization Period: 15 years
• Loan Term: 5 years
• Interest Rate: 5% 

My main question is seeing that the entire cost of the mortgage, closing and rehab costs are not coming from any out-of-pocket expenses from me personally, will that effect how I fill out the calculator information?

This is only my second property and really the first time using the calculator with true detailed information.

Thanks in advance.