DistressedDealRadar

Private Lender & Hard Money Loan Calculator (Free, No Sign-Up)

A private lender proposal turns your deal into the one page a funder needs: purchase price, rehab budget, after-repair value, loan-to-value, projected ROI, and exit timeline. It also computes your points cost, interest-only monthly payment, and total loan cost over the hold. Enter your numbers and get a clean summary you can hand to a private or hard-money lender, no account, no export fee.

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Worked example: lender-ready first pass

Buy at $160,000, budget $40,000 for rehab, and request a $180,000 loan against a $280,000 ARV. At 2 points and 12% interest for six months, the model shows a $1,800 interest-only payment, 64.3% LTV, and $65,600 projected profit before final lender, title, and sale terms.

Requested loan

$180,000

Loan-to-value

64.3%

Monthly interest

$1,800

Projected profit

$65,600

What a funder will still ask for

  • Three sold comps supporting the ARV.
  • A contractor-backed rehab budget and timeline.
  • Title, lien, insurance, and permit checks.
  • A clear exit plan: resale, refinance, or rental hold.
Property location (optional, improves your market insights)
Inputs

Results

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Lender summary clears first pass
Total project cost
$200,000
Points cost
$3,600
Interest-only monthly payment
$1,800
Total interest cost
$10,800
Total loan cost
$14,400
Loan-to-value
64.3%
Cash needed
$34,400
Projected profit
$65,600
Projected ROI
190.7%
Equity margin
$100,000

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Put these numbers to work

Search live inventory with no DistressedDealRadar account or paywall. Open a promising listing, then run the address through this free calculator before you bid.

FAQ

What does a private lender proposal calculator show?

It summarizes the deal terms a private or hard-money lender wants to see: purchase price, rehab budget, ARV, requested loan amount, points, interest-only payment, total loan cost, LTV, projected profit, and ROI.

Is this the same as a hard money loan calculator?

It covers the same first-pass math for points, interest, loan-to-value, and holding period. You still need the lender's real term sheet before relying on any number.

Can I send this to a lender?

Use it as a clean first-pass summary, then verify the numbers with your lender, contractor, title company, and attorney before you sign loan documents or put earnest money at risk.