Calculator

Hard Money Loan Cost Calculator

Cash to close, IO carry, points, and LTARV before you bid. Loan is the lesser of project cost × LTC and ARV × LTARV. Rate and points are your estimates — not GI quotes. Not a credit decision.

Project

Purchase / project costContract price, or an all-in number if you are not splitting rehab.Rehab (optional)Added to purchase for project cost and the LTC cap.ARV — after-repair value (preferred)Optional but preferred. Without ARV, only the LTC cap binds.

Financing assumptions

Educational chips — not GI policy or a quote. Edit any field.

Educational LTC chips

Typical illustration 75–90%.

Educational LTARV chips

Typical illustration 65–75%.

Educational term chips

6–18 months.

Educational points chips

1–4 points.

LTC cap (%)Your assumption — not a quote.LTARV cap (%)Used only when ARV is entered.Interest rate estimate (%)Your number — not a lock from this desk.PointsTerm (months)

Results appear here

Still need purchase. No email wall. Estimate only. Broker, not a lender.