Hard Money Deal Analyzer
Fix & Flip Profitability & Monthly Schedule
Deal Variables
Financial Summary
Monthly Payment
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Points Cost
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Total Int.
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Net Profit
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Complete Monthly Installment Schedule
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"Analyze fix-and-flip or rental deals in seconds with our Hard Money Deal Analyzer. Calculate ARV, LTC, ROI, and closing costs to ensure your next investment is profitable. Download the free printable PDF today!"
Hard Money & Fix-and-Flip: Frequently Asked Questions
What is a Hard Money Deal Analyzer?
A Hard Money Deal Analyzer is a specialized financial tool used by real estate investors to evaluate the profitability of a property using short-term, asset-based financing. Unlike standard mortgage calculators, it accounts for high interest rates, "points" (origination fees), and repair costs to determine if a flip or bridge deal is financially viable.
How do lenders calculate the maximum loan amount?
Hard money lenders primarily use two metrics: Loan-to-Value (LTV) and After-Repair Value (ARV). Most lenders will fund 70–80% of the ARV, which allows investors to cover both the purchase price and a portion of the renovation costs. Our analyzer helps you toggle between these metrics to see your required "skin in the game."
What are "Points" in a hard money loan?
Points are upfront fees paid to the lender at closing, where 1 point equals 1% of the loan amount. Hard money loans typically carry 1 to 4 points. These are a significant part of your "holding costs" and are factored into our tool's total ROI calculation.
What is the "70% Rule" in house flipping?
The 70% Rule is a guideline stating that an investor should pay no more than 70% of the After-Repair Value (ARV) of a property, minus the estimated repair costs. For example, if a home's ARV is $500,000 and it needs $50,000 in repairs, the 70% rule suggests a maximum purchase price of $300,000 ($350,000 - $50,000).
Do I need a high credit score for a hard money loan?
While traditional banks focus on credit, hard money lenders prioritize the collateral (the property). While they may pull a credit report to check for major recent red flags, they are generally more concerned with the deal's equity and your experience as an investor.
What happens if the project takes longer than the loan term?
Hard money loans are short-term, typically 6 to 18 months. If you exceed this window, you may face "extension fees" or higher default interest rates. It is crucial to use an analyzer to build a 2–3 month buffer into your holding cost estimates to protect your profit margins.