Hard Money Loan Calculator
Calculate Payments, LTV, & Total Costs in Real-Time
Now with Amortization Schedules & One-Click Export
Hard Money Loan Calculator
Property Value & LTV
12%
12 months
3%
$0.00
$0.00
$0.00
Why Use Our Advanced Hard Money Calculator?
Industry-First Features for Real Estate Investors:
✅ LTV Mode: Switch between manual loan amounts or automatic Loan-to-Value calculations
✅ Dynamic Sliders: Visually adjust rates (8-18%), terms (6-36mo), and fees (0-6%)
✅ Amortization Schedule: See monthly interest breakdowns
✅ Balloon Payment Alerts: Never miss principal due dates
✅ Export Options: Print/email results directly to your team
3 Simple Steps to Calculate Your Loan
- Choose Input Method
Toggle between:- Property Value + LTV (ideal for new acquisitions)
- Direct Loan Amount (perfect for refinancing)
- Adjust with Sliders
- Set rates between 8-18% (typical hard money ranges)
- Drag term length from 6-36 months
- Include 0-6% origination fees
- Analyze & Export
- Review monthly interest payments
- Check warning banner for balloon payment amount
- Export full amortization schedule to PDF
Key Metrics Calculated
| Metric | Why It Matters |
|---|---|
| Loan-to-Value (LTV) | Max funding based on property value |
| Interest-Only Payments | Monthly cash flow planning |
| Total Fees | Upfront costs including origination |
| Balloon Payment | Principal due at loan maturity |
| Effective APR | True annualized cost including fees |
Real-World Example: Fix & Flip Project
Using LTV Mode:
- Property Value: $450,000
- LTV: 70% → Loan Amount: $315,000
- Rate: 12% | Term: 18mo | Fees: 4%
- Results:
- Monthly Payment: $3,150
- Total Fees: $12,600
- Balloon Payment: $315,000
- View Full Amortization Schedule
Why High West Lending?
Beyond Basic Calculators – We Provide:
- Accurate Pre-Approvals: Input our actual rates (8.5%-15.5%)
- Refinance Alerts: Get notified when traditional loan rates drop
- Multi-Property Analysis: Contact us for portfolio calculations
- Underwriting Insights: See how we evaluate your specific deal
FAQs
Q: How does LTV mode work?
A: Enter property value, then use the slider to set what percentage of the value we’ll fund (typically 60-80%).
Q: What’s included in the amortization schedule?
A: Month-by-month breakdown of interest payments and remaining balance.
Q: Can I save my calculations?
A: Yes! Use the email/print buttons to archive results or share with partners.
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