Real Estate Financing

Hard Money Loan Calculator

See your real borrowing costs — interest, points, fees, and total out-of-pocket — before you commit to a deal.

Loan Details
Loan Amount What you're borrowing
$
Property Purchase Price
$
After Repair Value (ARV)
$
Rate & Terms
Annual Interest Rate 10%
10%
Loan Duration 12 months
12 mo
Origination Points 2 points
2pts
Additional Fees
Processing Fee
$
Appraisal Fee
$
Other Closing Costs
$
Monthly Payment
$0
Interest only
Total Interest
$0
Over loan term
LTV Ratio
0%
Loan to value
Total Cost of Borrowing $0
Full Cost Breakdown
Loan Amount$0
Origination Points-$0
Total Interest-$0
Processing Fee-$0
Appraisal Fee-$0
Other Closing Costs-$0
Total Cost of Borrowing$0
Deal Analysis
Purchase Price$0
Down Payment Required$0
After Repair Value (ARV)$0
ARV to Loan Ratio0%
Potential Equity at Sale$0
Cost Over Time
Pro tip: Most hard money lenders want LTV at or below 70% of ARV. If your loan amount exceeds 70% of ARV, expect pushback — or higher rates. The lower your LTV, the better your terms.

* Hard money loan terms vary by lender. Rates, points, and fees shown are estimates. Always compare multiple lenders and consult a real estate attorney before proceeding.