Hard Money Loan
Calculator
The true cost of flip money: points, carry, and the ARV cap
Hard money sizing as the lesser of loan-to-cost and a percent of ARV, then the full cost of the money: origination points, interest-only carry over your hold, fees, and the annualized rate it all works out to.
See It In Action
Play with the calculator below. This is exactly what your visitors will see.
Hard Money Loan Calculator
Size a hard money loan and see its true cost: points, carry, and fees
Loan Amount
$212,500
Cost of the Money
Points
$4,250
Monthly Interest
$1,948
Total Financing Cost
$23,281
Annualized Cost
14.61
Cash Requirements
Cash for the Gap
$37,500
Total Cash to Close
$43,250
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How It Works
Get your results in four simple steps
Enter the scenario
Fill in 9 plain-English inputs across 2 short sections. Sensible defaults get you a result immediately.
Read the verdict
Results update instantly: the headline figure, supporting stats, and clear pass/fail states where qualification applies.
Share or download
Send a live share link or download a branded PDF scenario report to keep the conversation going.
Why This Calculator
Purpose-built features that give you the insights you actually need.
The Deal
Purchase, rehab, and ARV
Loan Terms
Typical hard money terms
How the Hard Money Loan math works
Size a hard money loan and see its true cost: points, carry, and fees
Industry Standards We Follow
- Loan sized at min(LTC, %ARV)
- Annualized cost includes points, interest carry, and fees
Key Variables in Our Calculation
- totalCostTotal project cost
- ltcLoanAmountLoan sized by loan-to-cost
- arvLoanCapLoan cap from ARV
- loanAmountFunded loan: the lesser of LTC sizing and the ARV cap
- cashNeededCash you must bring to cover the gap (before points/fees)
- pointsCostOrigination points cost
- monthlyInterestInterest-only monthly carry
- totalInterestInterest over the hold
Expert Insights
Get the most out of your calculations with these professional tips
Start from the defaults
Defaults reflect current market conditions; change only what you know about your scenario.
Stress-test the result
Nudge the most uncertain input both directions to see how sturdy the conclusion is.
Put it on your site
Embed this investment calculator with your branding and capture the leads it generates.
Frequently Asked Questions
Everything you need to know about the Hard Money Loan Calculator
Typically 10-13% interest-only plus 1-3 origination points, on terms of 6-18 months. On a 9-month flip, points plus carry usually total an effective annual cost in the mid-teens.
Two caps: loan-to-cost (85-90% of purchase plus rehab) and a percent of ARV (70-75%). The lower one wins, and the calculator shows which cap is binding for your deal.
Who Uses This Calculator
Flippers
Know your financing cost and total cash to close before you offer.
Private Lenders
Give borrowers a transparent quote tool on your site.
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