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Hard Money Cost
Estimate points + interest cost for a hard money loan over a hold period.
Parcel Platform
Mar 4, 2026
Hard Money Cost
Loan $250,000 • 12.0% + 2 pts
Points Cost
$5,000
Interest (monthly)
$2,500
Total Cost
$20,000
Hard money is usually interest-only. This estimates points + interest cost for your expected hold period.
How this calculator works
Hard money loans often have higher rates and points. This calculator estimates the total borrowing cost over a hold period so you can budget for flips and short-term deals.
What it includes
- Points cost
- Monthly interest estimate
- Total interest over hold period
- Total borrowing cost estimate
How to use it
- Enter loan amount, interest rate, and points.
- Enter expected hold period (months).
- Use total cost as an input to MAO and flip profit calculations.
FAQ
Is hard money usually interest-only?
Often, yes—especially for flips. But terms vary by lender. If your loan amortizes, costs will differ.
Should I include origination and extension fees?
Yes. Add them to your point/cost assumptions for a conservative estimate.
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