Private lending calculators
Underwrite like a lender before you sign anything. Six live calculators, no signup required. Results update as you type.
- Loan amount
- Interest (interest-only)
- Points
- Buying costs
- Holding costs
- Selling costs
- Total project cost
- Your cash invested
- ROI on cash
- Annualized ROI
- Profit margin (of ARV)
- 70% rule max price
- Monthly interest-only payment
- Total interest
- Points
- Fees + draw fees
- Cost as % of loan
- Effective annual cost
- Principal & interest
- Taxes, insurance, HOA
- Total PITIA
- Rent minus PITIA
- Max loan at 1.00x
- Max loan at 1.25x
- Total all-in cost
- Refinance loan
- Refi costs
- New P&I payment
- Monthly cash flow
- Cash-on-cash return
- Equity after refi
- DSCR on refi
- ARV × rule %
- Minus repairs, fees, costs
- Spread kept for profit & costs
- Monthly interest income
- Total interest
- Points earned
- Servicing fees
- Expected losses
- Net income
- Safe benchmark income
- Risk premium earned
How to use these calculators
Fix & flip profit models a typical interest-only hard money loan that funds part of the purchase and the rehab through draws. To stay conservative, it charges interest on the full loan for the whole hold; in reality, interest on rehab draws starts when each draw is funded, so your actual interest may be slightly lower.
Hard money cost shows why short holds are expensive: points and fees are paid once, so they make up a bigger share of your annualized cost the faster you repay.
DSCR uses the lender convention: gross monthly rent divided by PITIA (principal, interest, taxes, insurance and HOA). Most lenders want 1.00x or higher; 1.25x or higher typically earns better pricing.
BRRRR calculates how much of your own cash stays in the property after you refinance at the after-repair value. The goal is to recycle as much as possible into the next deal while keeping positive cash flow.
70% rule is a quick screen, not a substitute for a full analysis. Use the fix & flip calculator to confirm.
Note yield is for lenders: it subtracts servicing and an expected-loss allowance from the coupon and points, then compares the result with a risk-free benchmark so you can judge whether the risk premium is worth it.