Hard money loans are interest only: you pay the interest each month and the principal back at the exit. Enter the loan and see the monthly payment, the points at closing, total interest through your hold, and your all-in cost of capital. The math runs in your browser.
Type your numbers. The results update as you go.
Estimates for planning only, not a quote. Assumes interest-only monthly payments with the full principal due at payoff. Rates are indicative as of Jul 12, 2026 and subject to underwriting.
The loan is priced for a short hold, so you never amortize principal. Every month costs the same, the principal is repaid at the sale or refi, and your cash is free to work in the rehab.
The total cost line is points plus interest over the term you entered. Stretch the hold from 6 to 12 months and the interest doubles. Time, not rate, is what eats a flip.
Real pricing depends on the deal: leverage, credit, experience, and the property itself. Submit the deal and we will send a written term sheet within 24 business hours.