Hard Money Loan Calculator

For the last decade, Optimus Capital has been a leader in hard money lending. We serve real estate investors across the country.

If you are purchasing, remodeling, or “flipping” a property then you might need a calculator like this. (see below)

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Hard Money Loan Calculator
Residential Properties


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For Investors

As a real estate investor it would benefit you to take the time and determine as much as possible about the deal as possible. A hard money loan calculator will help “paint” a picture for you of the overall deal numbers. Use our free loan calculator and gather all of the information that you will need to make a decision on whether or not to do the deal. It will also help you determine how much down you will need to bring to the table and all the other associated costs involved.

  • Determine Total Project Cost
  • Total Cash Needed
  • Project Profit


You will need the following information:

  • Purchase price or property As Is value
  • rehab or renovation amount
  • After Repaired Value or ARV
  • Interest rate (for hard money loan)
  • Points or origination being charged by lender
  • The Turn time to flip or exit the property
  • Property taxes amount
  • Transfer tax, state tax, recording fees

Optimus Capital

With the above information you should be able to input those numbers into a hard money loan calculator and receive the following information:

  • Total project cost
  • New profit
  • Return on project cost
  • Loan amount
  • Total LTC or loan to cost
  • Monthly interest payments
  • Points cost
  • Total interest cost
  • and more
Hard Money Loan Calculator

Enter Your Deal Information Below

Deal Information

Deal Information

Rehab Financed?

Monthly Carrying Costs



Glossary of Terms

See The Glossary of Terms Below Which Will Help You Understand



This is the amount that you would be purchasing the investment property for.

This is the amount that you will spend on the property in order to renovate or remodel the property. Remodeling the property will result in you being able to sell the property for top dollar on the market.

This is the value of the property “After” all of the repairs and remodeling have been completed. This is the property value “in the future” once it has been renovated.

This is the interest rate that you will be paying on the bridge loan. These loans are usually short term and the interest is computed on an annual basis.

More than likely your hard money lender will ask you to complete a SOW template or spreadsheet. This is a spreadsheet which lists and breaks down into categories the work that you will be doing to the property. The breakdown of what exactly you are going to do during your renovation to the property. 


This is a fee that nearly all lenders charge. The “points” are usually based on a percentage of the total loan amount. This fee is also called “origination.” Whether your lender calls it points or origination they are almost always talking about the same thing.

This is the measurement of time in which it will take you to purchase, remodel, and finally sell or “exit” the property. How many months will you be incurring “carrying costs” or the total costs associated with carrying out the investment.

The percentage  amount of tax that you will need to pay on the property. In most counties, cities, and states this is based on a percentage in comparison to the property’s total value. 

States, counties and municipalities charge a tax on the transfer of the title of the property. These are fees you incur in the jurisdiction of where the property is located.


Hard Money Loans

Hard Money Loans usually are a very route to financing your fix and flip deals. These type of loans are usually based on the property’s value, both As Is and After Repaired Value and not as much on the buyer’s qualifications. These types are most expensive than traditional loans issued by banks.


Less Paperwork

These types of loans usually involve much less paperwork and in many cases your income is not a requirement. There is no DTI requirement  involved with traditional bank loans. These loans can usually be closed very quickly, sometimes in days.


Short-term Loans

 Banks on average require much more time. These types of loans are known as “bridge loans” meaning they are short-term loans designed to assist the acquisition of a property for a real estate investor. The real estate investor usually then remodels the property and sells it on the market afterward.

Hard Money Loan Calculator

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