Hard Money Calculator

Estimate the hard money loan, rehab financing, cash required, and any remaining capital gap. Choose Maximum Leverage or Express.

Hard Money Calculator

Enter your deal numbers to estimate the hard money loan, rehab financing, cash required, and any remaining capital gap. Select Maximum Leverage to minimize cash in, or Express for speed.

Formula: Estimated Loan = lower of (Total Project Cost × LTC%) or (ARV × ARV%). Rehab allocated first; acquisition proceeds = loan − financed rehab. Cash required = total project cost + closing costs − loan.

Purchase price

Rehab / construction budget— optional

As-is value (if relevant)— optional

ARV / completed value

Estimated closing costs— optional

Available cash— optional