Seven quick tools to sketch a hard-money deal. Educational estimates. Not advice, not a quote, not an approval.
Fix & Flip profit
What's left after the costs people forget: financing, holding, and selling.
Maximum allowable offer (70% rule)
A ceiling, not a target. The buffer that leaves room for profit and every cost.
Hard-money loan cost (all-in)
The headline rate understates it. Points and fees are front-loaded on a short hold.
Loan sizing (two caps, the lower one binds)
Why "how much will they lend?" has no single answer. It's whichever cap binds.
DSCR (rental / refinance qualification)
Does the rent cover the payment, and with how much cushion?
BRRRR: cash left in the deal
Near zero (or a cash-out) is the dream; a big number left in stalls the "Repeat."
Rental returns (cap rate & cash-on-cash)
Cap rate compares the asset; cash-on-cash reflects the leveraged return you feel.
Estimates only. Not advice. These calculators are educational tools that use the figures you enter and general assumptions. They are not financial, legal, tax, or investment advice, and not a loan offer, quote, approval, or a determination that you qualify for financing. HardMoney.com is not a lender, broker, or advisor. Actual property value (ARV/comps), loan terms, and eligibility come only from a licensed appraiser and lender reviewing the actual deal. Scope: business-purpose, non-owner-occupied real estate.