Real Estate Investing
Hard Money Loan Calculator
Estimate the cost of a hard money loan — asset-based short-term financing used by real estate investors for fix-and-flip projects, quick acquisitions, and properties that don't qualify for conventional financing.
Monthly Payment (Interest-Only)
$2,100.00
Loan Amount
$210,000.00
Down Payment / Equity
$90,000.00
Origination Fee
$4,200.00
Total Interest
$25,200.00
Total Cost of Borrowing
$29,400.00
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Payment Breakdown
Principal
$210,000.00 (89.3%)
Interest
$25,200.00 (10.7%)
How This Calculator Works
Hard money loans are asset-based: the loan amount is determined by LTV on the property. Most are interest-only with a balloon payment. Total cost includes interest plus origination points.
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Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.