Hard money rates: 9.5%–12% · 1–3 pts originationAvg hard money close: 7–14 days · vs 45+ for banks70% Rule: Max Offer = ARV × 0.70 − rehabHard money rates: 9.5%–12% · 1–3 pts originationAvg hard money close: 7–14 days · vs 45+ for banks70% Rule: Max Offer = ARV × 0.70 − rehab
Deal Simulator

How much do you actually need?

Punch in real numbers. We'll show your loan amount, cash to close, monthly carry, projected profit, and how it compares to the 70% Rule MAO.

The deal

Hard-money terms

Cash needed at closing

$32,260

Down payment + points + closing costs. Rehab reserves not included.

Total loan amount

$238,000

Monthly interest carry

$2,182

Total finance cost

$17,850

6 mo · 2 pts

Total project cost

$312,150

Projected net profit

$47,850

ROI on cash

148.3%

70% Rule MAO check

Max Allowable Offer under the 70% rule for this ARV is $212,000. You're offering $220,000 $8,000 over. Renegotiate or walk.

How the 70% rule works

Ready to fund this deal?

Apply in 4 minutes — we'll match you to the best-fit lender in 24 hours.

Get funded for $238,000