Hard Money Calculator App for iPhone
Private Lending Deal Desk sizes hard money, private and bridge loans from the lender's side, works offline, and keeps your lending programs, deals and quote PDFs on your phone.
- Free download
- One-time Lifetime Access purchase
- No account or subscription
- iPhone, iOS 18 or later
Enter the deal and the program
Purchase price, as-is value, rehab budget, ARV and term, then pick a saved lending program or type the limits and pricing for this deal.
- Limits you can switch on or offAs-Is LTV, LTC and LTARV, each with its own maximum, plus the share of the rehab you fund.
- Optional requested loanSee whether the borrower's ask fits the program, or exactly how far over it is.
- Plain-language checksMissing or out-of-range inputs are flagged field by field before anything is calculated.
See the maximum loan and what limits it
The maximum loan is the lowest of your limits and the financed project cost, rounded down to the dollar. The app names the binding constraint, including ties, and shows every limit side by side.
- Loan structureRehab holdback, acquisition advance at closing and the borrower's purchase equity.
- Actual leverageThe proposed loan's As-Is LTV, LTC and LTARV, next to the limits.
Points, interest and borrower cash
Everything a lender quotes, on the same screen as the sizing.
- Points and lender feePoints in dollars on the gross loan, plus any flat fee.
- Interest two waysInterest-only on the full loan balance, or only on funded money using your dated draw schedule with Actual/365 or Actual/360.
- Minimum interest and reserveA minimum interest period shown on its own line, and an interest reserve withheld at closing.
- Cash to close and lender revenueEstimated borrower cash at closing (third-party costs excluded) and estimated gross lender revenue, which is not net profit.
Save your lending programs once
Store each program's limits and pricing (your fix-and-flip terms, your bridge terms) and apply them to any deal from the program picker.
- Edit for this dealAdjust a program's terms for one deal without changing the saved program.
- Save from the calculatorTurn the terms you just used into a new program. The last program you used is preselected.
Saved deals keep the terms they were sized on
Save a calculation, reopen it later, edit assumptions and recalculate. Changing a program later doesn't rewrite deals you've already saved.
- Search and reuseFind a deal by name, address or program, duplicate it as a starting point, or update it in place.
Send a one-page preliminary quote
Turn any result into a US Letter PDF with the deal, proposed loan, leverage, interest and estimated borrower cash, plus your optional company and contact details. Share it with Messages, Mail, AirDrop or Files. See a full sample in the term sheet guide.
- Clearly preliminaryEvery quote states that it is non-binding and that final terms are subject to underwriting, due diligence, documentation, lender approval and applicable law.
Private by design
The app is built to keep a lender's deal flow on the lender's phone.
- No account or sign-in, and no internet connection needed to calculate.
- Programs, deals and your quote profile are stored only on your iPhone. The app doesn't sync them anywhere or send them to us.
- No ads, analytics or tracking, and no third-party code for either.
- Purchases go through Apple; we never see payment details.
- A quote PDF leaves your phone only when you share it, and only to the people or apps you choose.
The Privacy Policy has the details.
Price and requirements
| Price | Free download. Lifetime Access is a one-time in-app purchase; the price is shown in the App Store before you buy. |
|---|---|
| Subscription | None. There is no subscription, trial or free tier. |
| Device | iPhone with iOS 18 or later |
| Internet | Not needed, except to buy or restore Lifetime Access |
| Account | None |
| Version | 1.0, the app's first release |
| Publisher | Kaizen Apps |
Who it's for
- Hard money, private and bridge lenders sizing short-term real estate loans
- Loan officers and brokers who need an answer while the borrower is still on the phone
- Fix-and-flip and BRRRR investors who want to see a deal the way their lender will
Not sure yet? Every calculation the app makes is free on this site. Start with the hard money loan calculator; the methodology page shows how the website and the app are tested against each other.
What it doesn't do
The app is a sizing and pricing calculator for short-term, interest-only loans. It does not:
- size refinances or DSCR rental loans
- amortize loans or calculate an APR
- estimate ARV or pull comps
- use a 30/360 day count or draw retainage
- originate, approve or service loans
Questions
Is the app free?
It's a free download. Lifetime Access, a one-time in-app purchase, opens every feature. There is no subscription, trial or free tier, and the price is shown in the App Store before you buy.
Do I need an account or an internet connection?
No account is needed, and the app calculates, saves deals and creates quotes offline. You only need a connection to buy or restore Lifetime Access.
Where are my deals stored?
Only on your iPhone. The app doesn't sync them or send them to us. Your iPhone's own backups (iCloud Backup or a computer backup) include them like other app data.
Does it handle Dutch and non-Dutch interest?
Yes. Choose Full Loan Balance (what lenders often call Dutch interest) or Funded Balance (non-Dutch), which charges interest only on money disbursed, using your dated draw schedule and an Actual/365 or Actual/360 day count. The Dutch interest calculator shows the same comparison in your browser.
Can I use my own lending program?
Yes. Save your own limits and pricing as programs and apply them to any deal. The app doesn't ship with an assumed industry standard; your program's numbers drive every result.
Does it calculate DSCR, amortization or APR?
No. It sizes and prices short-term, interest-only loans. It doesn't handle refinances, DSCR loans, amortizing loans, APR, ARV estimates, 30/360 day counts, draw retainage or servicing.
Is it available for iPad or Android?
It's built for iPhone and needs iOS 18 or later. There is no Android version.
Do the app and this website give the same numbers?
Yes. The website runs a line-for-line port of the app's calculation engine, tested against the app's own code on 25,000 generated deals with no differences. The website formats amounts in US dollars; the app follows your iPhone's region settings.
Is the app new?
Yes. Version 1.0 is its first release. The methodology page on this site explains every formula and how the calculations are tested.