A creative hard money lender
Run the numbers on a prospective real estate investment deal and adjust assumptions in real time.
WCLD
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Need help understanding what to enter? Use the field guide at the bottom of this page for plain-English explanations of each deal calculator field.
View Field GuideEnter your own scope estimates by item. The total can feed the rehab budget override.
Scenario: Choose the deal type that best matches the project. This sets starting assumptions for rehab rate, holding time, purchase price, and ARV.
Purchase price: Enter the expected acquisition price or offer price.
ARV: Enter the after-repair value you expect after the rehab is complete.
Square feet: Enter the property size used for quick rehab-budget estimates.
Holding time: Enter the estimated number of days from purchase through resale.
Rehab budget override: Enter a custom rehab budget if you already have one. If blank, the calculator uses square feet multiplied by rehab cost per square foot.
Rehab cost per sq ft: Enter a rough cost per square foot for the rehab scope.
Rehab holding cost annual %: Enter the annual cost of carrying rehab funds.
House holding cost annual %: Enter the annual cost of carrying the property purchase funds.
Points %: Enter lender points or origination costs as a percentage.
Budget contingency %: Enter a cushion for scope changes or unexpected costs.
Commission on buy %: Enter any acquisition-side commission percentage.
Commission on sale %: Enter the expected resale commission percentage.
Insurance: Enter projected insurance cost during the hold period.
Closing costs buy/sell: Enter expected closing costs for acquisition and resale.
Referral and HOA: Enter referral fees, HOA charges, or similar costs.
Staging, tax, utility: Enter staging, property tax, utilities, inspections, or related carry costs.
Net profit: ARV minus total projected expenses.
ROI: Net profit divided by total projected expenses.
$/Day: Net profit divided by holding days.
Deal rating: A quick read on the deal based on projected net profit and ROI. Ratings range from Strong to Pass.
Daily burn: Estimated daily carrying cost based on the financing assumptions.
Client profit: The projected client-side profit after financing adjustments.