Educational investor tool
Hard Money Loan Calculator
Test as-is LTV, loan-to-cost, loan-to-ARV, interest carry, points, equity gap and a simple project margin.
Enter the property assumptions
See how leverage and carrying cost interact
Use conservative current value, ARV, renovation, time and cost assumptions. The purpose is to identify questions—not to produce a lender decision.
Educational scenario only. It assumes interest on the full loan for the full entered term and does not model draw timing. It excludes many possible costs, including sale commissions, transfer taxes, extension or exit fees, appraisal, legal, title, insurance, taxes, utilities, permits, overruns and default charges. ARV is unverified. This is not a quote, appraisal, approval, commitment or profit forecast.
How to read the results
As-is LTV compares the requested loan with current value. Loan-to-cost compares it with purchase or payoff plus renovation. Loan-to-ARV compares it with the unverified future-value assumption.
Cash or equity gap shows total entered basis and rehab minus requested loan. It does not include all closing, reserve or initial draw needs.
Modeled margin subtracts entered project costs, full-term simple interest and points from ARV. It deliberately does not call the result profit.
Clear answers
Hard Money Calculator Questions
What does this hard money calculator estimate?
It estimates leverage ratios, an equity gap, monthly interest-only payment, simple term interest plus points and a modeled project margin from the values you enter.
Is the result a loan quote?
No. It does not verify property value, ARV, eligibility, cost, pricing or lender approval.
What is loan-to-cost?
In this model, LTC equals requested loan divided by purchase price or payoff plus renovation budget.
Why can the project margin be misleading?
It excludes sale commission, transfer tax, many closing and operating costs, draw timing, overruns and market changes. It is a sensitivity—not a profit forecast.
Discuss the property
Start with a property-specific hard money review
Share the property, purchase or payoff, requested loan, current condition, timeline and exit. We will organize the scenario and identify participating-lender paths that may fit.
- Purchase, refinance, cash-out and renovation requests
- Rental, vacant, distressed, commercial and land collateral
- No obligation and no guarantee of approval