Hard Money Loan
Calculator
Calculate monthly payments, origination fees, total interest, and all-in cost for any private money or hard money loan. Supports both interest-only and fully amortized payment structures.
Doc prep, processing, wire, etc.
Optional — calculates LTV
Typical Hard Money / Private Money Loan Terms
Interest Rates: 8-14% depending on LTV, property type, and borrower experience
Origination: 1-3 points (percentage of loan amount, paid at closing)
Term: 6-36 months, most commonly 12 months for bridge/fix-and-flip
LTV: Typically 60-75% of as-is value, up to 75% of ARV for fix-and-flip
Related: Complete Guide to Loan Documents | Fix-and-Flip Calculator | DSCR Calculator
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Attorney-drafted, state-compliant document packages for any private money loan — in minutes.
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