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Hard Money Loan Calculator

Calculate hard money loan costs — origination points, interest, and total cost of capital for fix & flip or bridge loans.

📍 Property Address (optional)
✓ Saved
InputsShared
Loan Details
Loan Amount
$
Interest Rate %
%
Origination Points?
pts
Loan Term (months)
Other Fees?
$
Property
ARV
$
Repair Budget
$
Pro Forma — Shorter Term
Faster Exit (months)
PF Points
pts
As-IsCurrent
Enter values to see results
Monthly Interest
—
interest only
Total Interest
—
over full term
Points Cost
—
origination
Total Capital Cost
—
all-in
Hard Money Cost Breakdown
Loan Amount—
LTV on ARV—
Origination Points—
Total Interest—
Other Fees—
Total Cost of Capital—
Deal Analysis
All-In Cost (loan+repairs)—
Profit if Sold at ARV—
ROI—
Pro FormaAfter plan
Enter values to see results
PF Total Cost
—
shorter hold
Interest Saved
—
vs full term
Monthly Interest
—
PF Profit
—
at same ARV
Pro Forma Comparison
Hold Time—
Total Interest—
Points Cost—
Total Capital Cost—
Savings vs As-Is—
Break-Even
Min Sale Price—
Max Hold Time (days)—