Need funding for your next deal? · Jay Fayz · Mid Atlantic — Managing Director · 240-883-6068 · jfayz@mountwilsoncapital.com · Submit a Deal →

Fix & Flip Loan Calculator

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Deal Info

Property

Property Address

County / Jurisdiction

Purchase & Rehab

Offer / Purchase Price

Assignment Fee

Rehab Budget

ARV — After Repair Value

Hard Money Loan

Loan Parameters

Interest Rate (% / yr)

%

—

/mo interest

Origination Points (%)

%

—

orig. fee

Lender Fees ($)

Loan Amount

70% of ARV

%

Custom LTV % (max 100)

Click to select

85% of LTC

%

Custom LTC % (max 100)

Click to select

Loan Amount

✓ Lesser of the two

Lender Funds at Closing—

Construction Held in Draws—

Project Cost

—

Loan Amount

—

Cash to Close

—

Est. All-In Cash

—

Net Profit (5 mo)

—

ROI

—

Jay Fayz

Mid Atlantic · Managing Director

240-883-6068 · jfayz@mountwilsoncapital.com · Submit a Deal →

Profit & ROI — By Hold Period

Profit ≥ $30K & ROI ≥ 10% Below threshold

Hold	Lending Cost	Prop. Tax	Utilities + Other	Total Cost	Net Profit	ROI	COC

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Summary

Cash Needed to Close

Purchase Price—

Assignment Fee—

Taxes—

Title & Settlement—

Insurance (Builder's Risk + GL)—

Lender Fees (Points + Fees)—

Less: Lender Funds at Closing—

Total Cash to Close—

Investor Brings to Table

—

at closing day

Holding Expenses

Monthly & One-Time Costs

Utilities (monthly $)

Other Monthly ($)

Buy-Side Closing Costs

Transfer & Recordation Taxes

—

State transfer tax (full 0.5%)

County transfer tax

Recordation on deed

Insurance — Annual

—

Builder's Risk / Course of Construction

General Liability Insurance

Title & Settlement

—

Settlement / escrow fee

Title search & exam

Lender's title insurance

Owner's title insurance

Lien certificate

Deed preparation

Recording fees (deed)

Deed of trust recording

Wire / admin fees

Sell-Side Closing Costs

Tax / Commissions

State transfer tax (seller half 0.25%)

County transfer tax (seller half)

Staging ($)

Agent Commission

%

—

Seller Concessions (%)

%

—

Settlement & Agent Fees

Settlement / escrow fee

Deed preparation

Wire / admin fees

Payoff processing fee

Total Sell-Side Costs —

BRRRR / DSCR Inputs

Refinance Parameters

Appraised Value / ARV ($) auto-synced

LTV (%)

DSCR Loan Rate (% / yr)

Points (%)

Lender Fees ($)

Appraisal ($)

Rental Income & Expenses

Monthly Gross Rent ($)

Vacancy Rate (%)

Maintenance (% of rent)

CapEx (% of rent)

Management (% of rent)

Refinance Breakdown

Refi Cost Summary

Loan Amount (ARV × LTV)—

Points Cost—

Lender Fees—

Appraisal—

Closing Cost (title & settlement)—

Prepaid / Escrow—

Total Refi Cost—

Cash Out at Refi—

Monthly Cash Flow

Gross Rent—

Vacancy Loss—

Principal & Interest (30yr)—

Property Tax (monthly)—

Insurance (monthly)—

Maintenance + CapEx + Mgmt—

Monthly Cash Flow—

BRRRR Scorecard

COC Return — By Hold Period

Hold Period	Total Into Deal	Cash Out at Refi	Net Cash Left In	Ann. COC Return

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DSCR Inputs

Property & Loan

County

Purchase Price

Appraised Value / ARV ($)

LTV (%)

Interest Rate (% / yr)

Points (%)

Lender Fees ($)

Appraisal ($)

Rental Income & Expenses

Monthly Gross Rent ($)

Vacancy Rate (%)

Maintenance (% of rent)

CapEx (% of rent)

Management (% of rent)

Results

Loan Cost Summary

Loan Amount (ARV × LTV)—

Points Cost—

Lender Fees—

Appraisal—

Closing Cost (title & settlement)—

Prepaid / Escrow—

Total Loan Costs—

Cash to Close—

Monthly Cash Flow

Gross Rent—

Vacancy Loss—

Principal & Interest (30yr)—

Property Tax (monthly)—

Insurance (monthly)—

Maintenance + CapEx + Mgmt—

Monthly Cash Flow—

DSCR Scorecard

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