redneL
rednel.com

Hard Money Loan Calculator

Payments, points, draw schedules and the true cost of capital — run the loan, run the deal, compare lenders.

Loan terms

$
% / yr
months
pts
$
months
mo. interest
pts

Hard money is priced on time. The payoff month drives the real cost more than the rate does.

Monthly payment $0

The deal

$
$
$
months
months
$/ mo
$
% of sale

The loan

%
%
%
pts
$

“As drawn” assumes rehab money is pulled evenly across the rehab months.

Net profit $0

Same loan, three lenders

$
months

Ranked by total cost of capital over your hold. A lower rate with higher points often loses on a short flip; the reverse on a long one.

How much will they lend?

$
$
$

Lender limits

%
%
pts
$
months
%
Maximum loan $0