Financing Calculator
Compare loan options: Hard Money, Conventional, DSCR, and Private Money
Property Details
Enter property information for loan calculations
Hard Money
Interest-Only Loan
$2,800
/month
Loan Amount$280,000
Down Payment$70,000
Interest Rate12.00%
Term12 months
Total Interest$33,600
Conventional
Amortizing Loan
$1,497
/month
Loan Amount$225,000
Down Payment$75,000
Interest Rate7.00%
Term360 months
Total Interest$313,895
DSCR
Amortizing Loan
$1,761
/month
Loan Amount$240,000
Down Payment$60,000
Interest Rate8.00%
Term360 months
Total Interest$393,973
Private Money
Interest-Only Loan
$1,667
/month
Loan Amount$200,000
Down Payment$150,000
Interest Rate10.00%
Term24 months
Total Interest$40,000
Side-by-Side Comparison
| Metric | Hard Money | Conventional | DSCR | Private Money |
|---|---|---|---|---|
| Loan Amount | $280,000 | $225,000 | $240,000 | $200,000 |
| Down Payment Required | $70,000 | $75,000 | $60,000 | $150,000 |
| Monthly Payment | $2,800 | $1,497 | $1,761 | $1,667 |
| Interest Rate | 12.00% | 7.00% | 8.00% | 10.00% |
| Loan Term | 12 months | 360 months | 360 months | 24 months |
| Points / Origination | $5,600 | $2,250 | $3,600 | $0 |
| Total Interest Paid | $33,600 | $313,895 | $393,973 | $40,000 |
| All-In Cost | $322,000 | $545,645 | $643,573 | $240,500 |
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