Size the loan. See exactly what limits it.
Free calculators for hard money, private and bridge lenders. Enter a deal and your As-Is LTV, LTC and LTARV limits to get the maximum loan, the limit that binds it and the full structure. The same math runs in our iPhone app.
- No sign-up or email
- Not a lender, no lead forms
- Exact decimal math
- As-Is LTVBINDING70% of as-is value $400,000
- $280,000
- LTC90% of total project cost $400,000
- $360,000
- LTARV70% of ARV $550,000
- $385,000
- Financed project costPurchase price + 100% of rehab budget
- $400,000
Each limit is rounded down to the whole dollar. The maximum loan is the lowest applicable limit.
One engine, eight ways into a deal
Each tool opens on the part of the deal its question is about: sizing, rehab draws, the lender's revenue, interest or points.
- Hard Money Loan CalculatorMax loan, binding limit, holdback, points, interest and cash to close.
- Fix and Flip Loan CalculatorRehab holdback, initial advance, borrower cash and interest on dated draws.
- Private Money Loan CalculatorThe lender's view: points, interest, minimum interest and gross revenue.
- Loan Sizing CalculatorHow much a hard money lender will lend: As-Is LTV, LTC and LTARV side by side.
- Dutch Interest CalculatorDutch vs non-Dutch interest on the same loan, using your draw schedule.
- Hard Money Interest CalculatorInterest-only payments, scheduled interest, minimum interest and per diem.
- Hard Money Points CalculatorPoints in dollars and two quotes compared month by month.
- Investor Bridge Loan CalculatorPurchase bridge loans with no rehab: as-is sizing and interest reserve.
The lender's math, line by line
Borrower calculators stop at a payment. A lender needs to know which limit is doing the work and what the structure costs.
Size against every limit
As-Is LTV, LTC, LTARV and the financed project cost, side by side. The lowest one sets the loan.
Split the loan
The funded rehab is held back for draws. The rest is the acquisition advance at closing.
Price it two ways
Interest on the full loan, or only on the funded balance by day count, plus points, fees and minimum interest.
Quote it
Borrower cash at closing and gross lender revenue. The app turns the deal into a one-page quote PDF.
Your deal desk, in your pocket
Private Lending Deal Desk runs the same calculations on your iPhone, offline, and keeps what a lender reuses deal after deal.
- Saved lending programsStore your limits and pricing once (fix-and-flip, bridge, whatever you run) and apply them to any deal.
- Saved dealsEach deal keeps the exact terms it was sized on, even after you change the program.
- Preliminary quote PDFA one-page quote with your optional company details, ready for Messages, Mail or AirDrop.
- Private by designNo account, no ads, no tracking. Your deals stay on your phone.
How private lenders size, price and quote
Plain explanations with worked numbers, sourced where a fact comes from outside the calculator.
- LTV vs LTC vs LTARVWhat each ratio measures, which one binds, and the three meanings of "LTV".
- Rehab Holdback ExplainedTotal loan vs initial advance vs holdback, with a worked closing statement.
- Interest Reserves on Hard Money LoansHow a reserve is sized, withheld at closing and treated in cash to close.
- Actual/360 vs Actual/365What the day count does to interest on a short-term loan, in dollars.
- Minimum Interest, Exit Fees and PrepaymentHow minimum interest works and how it differs from other payoff charges.
- How Much Hard Money Lenders MakePoints, fees and interest on one loan, and why gross revenue isn't profit.
- Hard Money Term SheetWhat a preliminary loan quote contains, with a complete sample.
- Cash to Close on a Fix and Flip LoanHow much cash a borrower brings to closing and what the estimate leaves out.
- Typical Hard Money Loan TermsRates, points and leverage limits from dated, named sources.
- The 70% Rule vs LTARVWhy LTC, not a 70% LTARV, can bind on a 70%-rule purchase.
- Hard Money Underwriting ChecklistA lender-side checklist from property to quote.
About this site
Who are these calculators for?
Hard money, private and bridge lenders, loan officers and brokers sizing short-term real estate loans, and fix-and-flip or BRRRR investors who want to see a deal the way their lender does.
Are you a lender?
No. Private Lending Deal Desk doesn't make, broker or arrange loans. The calculators run in your browser, and the numbers you type aren't sent to us or to anyone else while you use them.
Do the web calculators match the iPhone app?
Yes. The website uses a line-for-line port of the app's calculation engine, and the two are tested against each other on 25,000 generated deals. See the methodology page for details.
What does the iPhone app add?
Saved lending programs, saved deals that keep their original terms, a one-page preliminary quote PDF and offline use, with no account. It's a free download with a one-time in-app purchase for lifetime access.