Hard Money Loan Calculator
Calculate financing costs for your fix-and-flip real estate investment
🏦Loan Details
$
Property acquisition cost
$
Amount borrowed from lender
Upfront fees (typically 2-5%)
$
$
Expected value after repairs
When you plan to sell (within 12 months)
💰Cost Analysis
Origination Points
$4,500
Due at closing (3%)
Monthly Interest
$1,500
Interest-only payment
Total Interest (10 months)
$15,000
Until property sale
Investment Breakdown
Purchase Price$200,000
Down Payment (25.0%)$50,000
Renovation Budget$40,000
Points + Total Interest$19,500
Total Investment$94,500
Profit Analysis
After-Repair Value (ARV)$280,000
Gross Profit (before financing)$40,000
Total Loan Costs-$19,500
Net Profit$20,500
Return on Investment (ROI)21.7%
LTV (Purchase)
75.0%
LTV (ARV)
53.6%
Target <75%
Note: Hard money loans are short-term tools. Ensure your exit strategy is realistic.