Hard money loan calculator.
The true cost of the money.
Hard money is priced in points, interest, and time — and the total cost swings dramatically with how long you hold. FlipRight Analyzer™ models origination points, interest-only carry, rehab draws, extension fees, and payoff, then folds the result straight into your deal's profit and ROI.
The financing math FlipRight runs
Typical bridge terms: 70–75% of ARV, 6–24 months, interest only.
Rehab draws mean you do not pay interest on the full rehab budget from day one — the model reflects the drawn balance over time.
Four steps from listing to decision
- 01
Size the loan
Choose LTARV, LTC, or a fixed amount. FlipRight applies the binding constraint and shows the cash you must bring to close.
- 02
Enter the terms
Rate, points, term, interest-only period, prepayment terms, and any extension fee schedule.
- 03
Set the draw pace
Rehab drawn in stages carries less interest than a fully funded loan. Model the schedule you actually expect.
- 04
See it in the deal
The financing cost flows into all-in basis, net profit, ROI, and the deal grade — no separate spreadsheet to reconcile.
Compare lenders on the same basis
A 2-point, 11% loan and a 3-point, 9.5% loan are not comparable until you fix the hold period. FlipRight computes the total cost of capital and the effective annual rate for each term set, so the comparison is a single number instead of a debate.
Extension fees are where flip budgets quietly break. Model a 3-month overrun with the extension cost included and you find out immediately whether the deal has the margin to absorb it.
Ready to submit
- Asset-specific financing applications for residential and commercial
- Sources and uses summary generated from your deal
- Document center for scopes, photos, appraisals, and entity docs
- Submit a request with or without a linked deal, with or without documents
- Status tracking from submitted through term sheet
Questions investors ask
Straight answers on how the analyzer handles this strategy.
What are typical hard money terms?
Common fix-and-flip bridge terms run 70–75% of after-repair value on 6–24 month interest-only paper, with 1–3 points of origination. FlipRight defaults to that range and lets you enter your lender's exact terms.
Does it account for rehab draws?
Yes. Interest accrues on the drawn balance, so a staged rehab costs meaningfully less than a fully funded loan over the same term.
Can I compare hard money against conventional or cash?
Yes. Run the same property with each financing structure and compare net profit, ROI, annualized return, and cash required side by side.
Can I request financing through FlipRight?
Yes. Submit a financing request from any deal — or with no deal attached — and our capital desk follows up directly.
Find out what the money really costs.
Points, interest, draws, and extensions — folded straight into your deal profit.