About
Hard money loans fund fast (days vs weeks for traditional). Asset-secured, less credit-driven. Used by flippers and BRRRR investors. High rates (8-15%) and points (2-5%) reflect risk + speed. Most are interest-only with balloon at term.
Underwriting centers on the After Repair Value (ARV), not your tax return. In 2026 the standard ARV cap from national hard-money lenders sits at 65-75 percent, meaning a $300,000 ARV property tops out at $210,000 in combined purchase plus rehab funding. Loan-to-cost (LTC) limits of 80-90 percent still apply on the acquisition side. Origination "points" (1 point equals 1 percent of loan) are taken at closing and never refunded, so a 3-point loan on $200,000 burns $6,000 of equity on day one even if you refinance in month two.
Common pitfalls
- Underestimating exit timing: a 12-month balloon and a 9-month rehab leaves only 3 months to list, sell, and close. Slipping to month 13 triggers extension fees of 1-2 points monthly or default rates of 18-24 percent.
- Forgetting the prepayment penalty: some hard-money notes carry a 3-6 month interest minimum, so refinancing into a long-term DSCR loan in month two still costs as if you held for six months.
Formula
Frequently asked questions
How accurate is the Hard Money Loan Calculator?
It applies the standard formula. Accuracy is limited only by your input precision. For decisions with material consequences (taxes, medical, legal, structural), use the result as a starting point and verify with a qualified professional in the relevant field.
Is the Hard Money Loan Calculator free to use?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads around the tool but not inside the calculation flow.
Are my inputs saved anywhere?
No. All inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but the analytics never see what you type into the form.
Can I use the Hard Money Loan Calculator on my phone?
Yes. The tool is responsive and tested on iOS Safari, Android Chrome, and major desktop browsers. Touch targets meet Apple's 44pt and Google's 48dp minimum.
Does the Hard Money Loan Calculator work offline?
Yes. Once the page has loaded, it works without internet. The calculation runs in JavaScript on your device.
How do I report a bug or suggest improvement to the Hard Money Loan Calculator?
Email hi@3tej.com with the URL of this page and a description of what you saw vs expected. We typically respond within 72 hours.
Can I share results from the Hard Money Loan Calculator?
Take a screenshot or copy the output. The page doesn't generate shareable URLs for specific calculations - inputs stay in your browser only.
Why are the results different from another hard money loan tool?
Most likely: different formula assumptions, different default values, different rounding rules, or different applicable rates. Check the methodology if both tools document it. Both can be valid for different scenarios.
Is the Hard Money Loan Calculator accurate?
The Hard Money Loan Calculator applies the standard formula for hard money loan. Accuracy is limited only by your input precision. For decisions with material consequences, use the result as a starting point and verify with a qualified professional or the relevant official source.
Is the Hard Money Loan Calculator free?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads that appear around the tool but not inside the calculation flow.
Are my inputs saved?
No. Inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but does not see what you type into the form.
How to use the Hard Money Loan Calculator
The Hard Money Loan Calculator is a browser-based tool that runs entirely on your device. Inputs you enter never reach a server - all calculations happen client-side in JavaScript. This means:
- Privacy: nothing is logged, sent, or stored by 3Tej. Inputs disappear when you close the tab.
- Speed: results update as you type. No network round trip.
- Offline use: once the page is cached, it works without internet.
- No signup: no account, no email, no rate limits.
Step by step
- Enter your inputs in the form above. Each field is labeled with its unit (currency, percent, kg, etc.) and the expected range.
- Read the result as it updates. The number reflects the formula commonly accepted in Hard Money Loan-related calculations.
- Adjust to see sensitivity: change one input at a time and watch how the output moves. This is the fastest way to understand which variable matters most.
- Copy or screenshot the result for later reference. The page state persists for the session if your browser allows it.
When you would use this
- Quick estimates: when you need a number now and don't want to open a spreadsheet.
- Sensitivity analysis: testing how a result changes as inputs vary, before committing to a real-world decision.
- Comparison: running the same calculation with different inputs to compare options side by side.
- Learning: building intuition for how the underlying math behaves.
- Documentation: capturing a snapshot of inputs and outputs at a point in time.