Central Florida's Premier Investment Calculator

The Ultimate Hard Money Calculator

Instantly analyze funding costs, monthly payments, cash to close, rehab budgets, and projected profit — in real time.

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12 Calculations
Deal Score Live Analysis
4 Financing Scenarios
Smart Insights
Live Calculator

Your Deal, Analyzed in Real Time

🏠 Acquisition
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💰 Loan Terms
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📅 Monthly Carry Costs
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🚪 Exit Strategy
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💵 Loan Summary
Maximum Loan Amount $140,000
Required Cash to Close $68,300
Points Due at Closing $2,800
Monthly Payment $1,400
Total Interest Cost $8,400
Total Financing Cost $12,700
📊 Profitability
Total Project Cost —
Gross Profit —
Net Profit —
ROI on Cash Invested —
Profit Margin —
Break-even Sale Price —
🎯 Deal Strength Score
0
Calculating...
⏱ Timeline
Carry Burn Rate / month —
Cost of Delaying 30 Days —
Recommended Exit Window —
💡 Smart Insights
  • Enter your deal details to see personalized insights.
Visual Analysis

Deal Breakdown & Profit Timeline

See exactly where your money goes and how profit erodes over time.

Cost Breakdown
How capital is allocated across your project
TOTAL COST — all-in
Profit vs. Holding Period
Net profit across months 1–24 — find your sweet spot
Scenario Comparison

4 Financing Scenarios, Side by Side

Compare your options and find the strategy that fits your goals.

Hard Money Flip

Leveraged acquisition with private lending

Medium Risk
Capital Required
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Monthly Cost
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Net Profit
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Time to Execute
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ROI on Capital
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Risk Level
Medium

Pros

  • Preserve capital for multiple deals
  • Fast closing (7–14 days)
  • Leverage amplifies ROI
  • No income/credit requirements

Cons

  • Higher interest costs
  • Points reduce upfront margin
  • Short loan terms add pressure
  • Extension fees if delayed

Cash Purchase

All-in cash — no financing, no interest

Lower Risk
Capital Required
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Monthly Cost
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Net Profit
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Time to Execute
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ROI on Capital
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Risk Level
Low

Pros

  • No interest or financing fees
  • Stronger offer in competitive markets
  • Highest absolute profit
  • No lender requirements

Cons

  • Ties up significant capital
  • Limits deal volume
  • Lower ROI on deployed capital
  • Opportunity cost is high

JV Partner (50/50)

Partner brings 80% of capital, split profits 50/50

Low Personal Risk
Your Capital Required
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Monthly Cost
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Your Net Profit
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Time to Execute
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ROI on Your Capital
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Risk Level
Low

Pros

  • Minimal personal capital needed
  • Shared risk with partner
  • Scale deals faster
  • Access to partner's network

Cons

  • Split profit reduces your take
  • Partner alignment required
  • Legal structure needed
  • Less control over decisions

BRRRR Strategy

Buy, Rehab, Rent, Refinance, Repeat — 75% LTV refi on ARV

Medium Risk
Capital Required
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Cash-Out at Refi
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Equity Captured
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Net Capital Deployed
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Refi LTV
75%
Risk Level
Medium

Pros

  • Pull cash out after refi
  • Build long-term equity
  • Recycle capital repeatedly
  • Potential rental income stream

Cons

  • Requires strong ARV appraisal
  • Two closings add cost/time
  • Refi terms depend on market
  • Rental management overhead
Work With Us

Need Capital, Buyers, or an Exit Strategy?

People's Industry Investments works with flippers, developers, and investors across Central Florida.

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Why Work With Us

Backed by Experience. Driven by Results.

We don't just crunch numbers — we operate in the market every day.

🏗
Real Estate Operators
We don't just lend. We buy, build, and operate across Central Florida.
🤝
Deal Network Access
Tap into our buyer network for fast dispositions and wholesale opportunities.
💼
JV Capital Partners
Partner with us on deals. We bring capital, buyers, and experience.
📍
Market Specialists
Deep expertise in Orlando Metro, Kissimmee, Sanford, and surrounding counties.
✅
Transparent Process
No surprises. Clear terms, honest valuations, and fast closings.
💡
Investor-First Mindset
We've been on your side of the table. We understand your numbers.
Common Questions

Hard Money FAQs

Everything you need to know before you commit to a deal.

Hard money loans are short-term, asset-based loans secured by real property. Unlike bank loans, approval is based primarily on the property value and deal potential — not your credit score or income. They're designed for speed, typically closing in 7–14 days, making them ideal for fix-and-flip, BRRRR, and development projects.
Points are a percentage of the loan amount charged as an upfront fee. 2 points on a $140,000 loan equals $2,800 due at closing. Points effectively increase your total cost of capital and should be factored into your deal analysis before committing.
Most experienced flippers target a minimum net profit margin of 15–20% of the after-repair value (ARV). Anything below 10% is considered tight given the risk. Our Deal Strength Score incorporates margin alongside other factors to give you a complete picture.
This varies by deal and lender, but typically expect to bring 15–30% of the purchase price plus rehab costs not covered by the loan, plus points and closing costs. Our calculator computes your exact cash-to-close figure based on your inputs.
Hard money allows you to preserve capital, do more deals simultaneously, and amplify returns via leverage. If your net profit after financing costs exceeds what you'd make deploying that cash elsewhere, hard money creates value. Use our Financing Comparison tab to see the math side by side.
Yes — this is the core of the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat). After stabilizing the property, you refinance into a conventional or DSCR loan at the new ARV, potentially pulling out most or all of your invested capital to redeploy.