Hard Money Loan Calculator | Fix & Flip, DSCR, Construction

Run the numbers before you buy. Our free hard money loan calculator models fix and flip, DSCR rental, bridge, and ground up construction deals. Enter purchase, rehab, ARV, rate, points, and timeline to see loan amount, LTV and LTC, cash to close, monthly interest, and projected profit. Nationwide service, fast closings, low rates.

Fix & Flip Calculator

For when buy low, rehab smart, exit fast isn't just a motto — it's your business model.

Rate shown is typical. Your qualified rate could be lower.

Monthly payment will not include renovation costs.

Borrower Equity Needed$0.00
Net Profit (Financed)$0.00
Monthly Interest$0.00
Loan to After Repaired Value0%
Deal Breakdown
Financed Return
Deal Metrics
All-Cash Return

This is not a commitment to lend. This tool estimates project numbers and interest. Final terms are subject to underwriting, valuation, and credit approval.

Bridge Calculator

Payment-only bridge tool — quick estimate of interest-only payments.

Rate shown is typical. Your qualified rate could be lower.

Monthly Payment (Interest-Only)$0.00
Total Interest Over Term$0.00

This is not a commitment to lend. This tool estimates interest-only payments. Final terms are subject to underwriting and a final term sheet.

Having trouble? Open the form in a new tab.

Debt Service DSCR Calculator

Get a quick read on debt service coverage and cash flow.
Monthly Payment$0.00
Monthly cash flow$0.00
Annual cash flow$0.00
DSCR0.00
Having trouble? Open the form in a new tab.

This is not a commitment to lend. Final terms are subject to underwriting and a final term sheet.

Ground Up Construction Calculator

For when blueprints are about to become an address and time really is money.
Borrower Equity Needed$0.00
Loan Amount$0.00
Monthly Interest*$0.00
Total Interest$0.00
Loan to After Construction Value0.00%
Detailed Breakdown
Financed Return
Having trouble? Open the form in a new tab.

*Monthly interest assumes interest-only on the full loan balance for the entire term. Real draw schedules may reduce actual interest. This is not a commitment to lend; final terms are subject to underwriting.

How to Use Our Hard Money Loan Calculator for Fix & Flip, DSCR, Bridge, and Construction

Enter your numbers to model the deal. The calculator estimates loan amount, cash to close, monthly interest, total interest, LTV, LTC, and projected profit for investment properties. After you hit Calculate, click “Get a custom quote” below your results to send your scenario to our team for personalized pricing and terms.

  • Fix and Flip Calculator: add purchase price, renovation budget, ARV, project length, interest rate, points, taxes, insurance, and utilities to see profit and cash to close.

  • Bridge Loan Calculator: estimate interest only payments and cash needed to close while you refinance or sell.

  • DSCR Calculator: enter market rent and operating expenses to view the DSCR ratio and estimated monthly payment for a rental loan.

  • Ground Up Construction Calculator: include land cost and build budget to estimate draws, interest carry, and potential exit numbers.

Results are estimates for business purpose, non-owner-occupied properties and are subject to underwriting, valuation, and credit approval. We lend nationwide in approved states with fast closings and competitive terms.

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Hard Money Loan Calculator

What Is a Hard Money Loan? How It Works for Real Estate Investors

A hard money loan is short term, asset based financing that lets real estate investors act quickly on opportunities. Approval focuses on the property, scope, and exit strategy rather than W-2 income or DTI. Terms are typically interest only for 6 to 24 months.

Why investors choose hard money

  • Speed to close so you can win competitive deals

  • High leverage with programs offering up to 90% loan to cost on eligible fix and flip projects

  • Flexible documentation with common sense underwriting

  • Renovation and construction draws tied to milestones

  • Works across strategies including fix and flip, bridge, DSCR rental, and ground up construction

Availability, leverage, and pricing vary by state, experience, and deal metrics. Run your numbers above, then click “Get a custom quote” or Apply Online for next steps.

Residential Properties

OPTIMUS CAPITAL

Flexible Loans 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.

What to Gather Before You Use the Hard Money Loan Calculator

Set yourself up for accurate results. Have these numbers ready (they’ll differ slightly by calculator tab).

For Fix & Flip / Bridge

  • Purchase price / As-Is value

  • Renovation (rehab) budget

  • After-Repaired Value

  • Hold period (months)

  • Interest rate (%) and origination points (%)

  • Down payment (%)

  • Property taxes & insurance (annual)

  • Other closing costs (title/escrow, recording, transfer taxes)

  • Monthly utilities/HOA (carrying costs)

  • Finance renovation? 

For DSCR (Rental) Calculator

 

  • Market rent and any other income

  • Vacancy factor and operating expenses (taxes, insurance, HOA, management, maintenance)

  • Interest rate, points, and loan term (DSCR loans are typically 30-year, interest-only or fully-amortizing)

  • Down payment (%)

For Ground-Up Construction

 
 
  • Land cost / lot value

  • Build budget and contingency

  • Projected ARV / stabilized value

  • Draw schedule and build timeline (months)

  • Interest rate, points, and closing costs

Glossary of Terms

See The Glossary of Terms Below Which Will Help You Understand

General

Terms

1

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.

2

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.

3

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.

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