The Loan Comparison method lets you build multiple scenarios (each with different rates and point structures) and then run a points analysis across all of them in a single view. Instead of analyzing one scenario at a time, your client sees every option compared directly, including break-even timelines and monthly payment differences. This is especially useful when a borrower is deciding whether paying points upfront is worth the long-term savings.
Before You Start
Requirement | Details |
Multiple scenarios created | You need at least two (up to three) scenarios built on the same property and sales price, each with a different rate/point combination |
Loan Comparison already generated | A Loan Comparison must exist for your scenarios before you can add the analysis |
Accurate scenario data | Confirm that each scenario reflects the correct rate, points, and loan amount so the analysis calculations are reliable |
Step-by-Step: Running a Points Analysis in Loan Comparison
1. Set Up Your Scenarios
Create two or three scenarios on the same property and sales price, each with a different rate and point combination. For example:
Scenario | Rate | Points |
Option 1 | 6.50% | 0 |
Option 2 | 6.25% | 0.75 |
Option 3 | 6.00% | 1.25 |
Make sure all scenarios share the same property details and sales price so the comparison is accurate.
2. Open the Loan Comparison
Navigate to the Loan Comparison page for your deal.
You will see the standard side-by-side view showing monthly payments and the difference between each option.
3. Create or View the Analysis
Look for the Create Analysis button on the Loan Comparison page. If you have already generated an analysis, the button will instead read Show Analysis.
Click Show Analysis to expand the points analysis section at the bottom of the comparison.
4. Review the Analysis Data
The expanded analysis displays the following for each scenario pairing:
Data Point | What It Shows |
Points Increase | The additional upfront cost in points between two options |
Estimated Next Principal Payment | How much of the next payment goes toward principal under each option |
Principal Payment Difference | The increase or decrease in principal paid based on each rate/point combination |
Monthly Payment Difference | The dollar difference in monthly payment between options |
Total Monthly Benefit | The net monthly savings from choosing the lower rate |
Break-Even Point | How many months it takes for the monthly savings to offset the upfront cost of the points |
Use the expand/collapse control to toggle between the full detailed view and a condensed summary.
5. Preview the PDF
Click Preview PDF at the top of the Loan Comparison Analysis page to see a printable version of the full analysis, including the break-even calculation.
The PDF also supports the condensed view if you prefer a shorter format for your client.
Sharing the Analysis with Your Client
1. Include the Analysis in the Client View
Click the Include Analysis button on the analysis page. The button turns yellow to confirm it is active.
When you return to the Loan Comparison table, the Show Analysis button will also appear in yellow.
On the Deal Home page, the Loan Comparison card will display an "Includes Analysis" label.
⚠️ Important: Your client can only see the analysis after you click Include Analysis and it turns yellow. If you skip this step, the analysis stays visible only to you.
2. Control What Your Client Sees
The client view mirrors exactly what you have selected. If you leave the analysis in expanded mode, the client sees the expanded version. If you switch to condensed mode, they see the condensed version.
Any time you change the display mode, the client view updates the next time it refreshes.
3. Verify the Client Experience
Open the client view (or refresh if already open) to confirm the analysis appears as expected.
The client will see the Show Analysis button highlighted in yellow inside the Loan Comparison. They click it to view the data you have shared.
Quick Reference
Create Scenarios (same property, different rate/points) → Open Loan Comparison → Show Analysis → Review Break-Even and Payment Data → Include Analysis (yellow) → Client Views Analysis
Tips for Success
Always verify your scenario inputs before generating the analysis—even a small difference in loan amount or sales price between scenarios will throw off the comparison.
Use the condensed view for quick client conversations—the full expanded view is great for detail-oriented borrowers, but the condensed version keeps things simple when a client just needs the bottom line.
Watch for the yellow indicator—yellow means the client can see it. If you are not ready to share the analysis, make sure Include Analysis is toggled off.
Lead with break-even when talking to clients—most borrowers want to know one thing: "How long until the points pay for themselves?" The break-even number answers that instantly.
Pair this with the scenario method for a complete picture—the Loan Comparison method is best for side-by-side presentation, while the single-scenario method works well for deeper dives into one option at a time.