INVESTOR RESOURCES
Hard MoneyLeverage Calculator
The same math our own underwriting runs on — use it to size a fix & flip, ground-up construction, or bridge loan before you ever submit an application.
Hard Money Leverage Calculator
A fix & flip or ground-up construction loan is sized two ways at once — against total project cost (Loan-to-Cost) and against the finished value (Loan-to-ARV). A lender always offers the lower of the two, so seeing both side by side is what actually shows you what a lender will approve.
Most lenders cap ground-up and fix & flip leverage at 75% of after-repair value, regardless of experience.
LTC is based on experience. You typically need a track record to qualify for 90% or 100% LTC — with less experience, expect somewhere between 80% and 85%.
These calculators are estimates for planning purposes only and are not a quote, pre-qualification, or commitment to lend. Terms vary by program and are subject to underwriting approval.