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Fix And Flip Loan Rate Calculator
Hard money fix-and-flip loans fund short-term renovation projects.
Total loan cost
$29,644
Loan amount
$263,500
Interest paid
$21,739
How the math works
Loan = (purchase + rehab) × LTC. Origination = loan × %. Interest = loan × rate × (months/12).
$310k × 85% = $263.5k loan × 3% = $7.9k origination + $263.5k × 11% × 0.75 = $21.7k interest = $29.6k total.
EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.
Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.
Learn more about our review process on the EveryCalc methodology page.
How this calculator works
What this page estimates
This Fix And Flip Loan Rate Calculator is built to give a quick, browser-based estimate for fix and flip loan rate. Hard money fix-and-flip loans fund short-term renovation projects. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.
Calculation approach
The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.
Example workflow
For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.
Practical checks
- Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
- Run a low, base, and high case when the inputs are estimates.
- Check the related calculators below when the next decision depends on a different assumption.
How to interpret the fix and flip loan rate result
Best use
Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.
Cross-check
Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.
Watch for
Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.
This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.
Before relying on this fix and flip loan rate estimate
Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.
Confirm source numbers
Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.
Separate cash flow from total cost
A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.
Run conservative cases
Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.
Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.
How to Use
- Enter purchase price.
- Enter ARV (after repair value).
- Enter rehab budget.
- Enter LTC %.
- Enter interest rate %.
- Enter origination fee %.
- Read total cost.
Frequently Asked Questions
How do fix-and-flip loans work?
Short-term (6-24 month) hard money loan funding purchase + rehab of distressed property. Loan sized to LTC (typically 80-90%) or ARV (typically 65-75%). Rate: 9-14% during 2024-2025. Origination (points): 2-4%. Interest-only during term. Balloon at term end (sale of property). Different lenders: Kiavi, RCN Capital, Lima One, LendingHome.
Rate drivers?
Experience: first-time flipper 13-15%. Experienced (10+ flips) 9-11%. ARV LTV: up to 65% standard, 70-75% premium. LTC: 90% typical. Rehab experience: documented previous projects. Credit: 650+ typical, 680+ best. Speed: faster close = higher rate. Each factor adjusts rate 100-300 bps.
Fees breakdown?
Origination (points): 2-4% of loan. Processing: $1-3k. Appraisal: $500-1500. Title insurance: $500-2500. Inspection during rehab: $250-500 per draw. Legal: $500-2500. Closing: $500-1500. Total non-interest costs: $5-15k on $300k loan. Plus interest 9-14% for 6-18 months.
When doesn't it pencil?
Low margin deals (under 15% spread ARV to acquisition + rehab). Long timeline (12+ months). High interest rate environment. Tight ARV (highly variable market). Rural/small market (fewer comparable sales). Properties needing structural work (cost overruns likely). Institutional flippers walk away; amateur flippers often commit anyway and lose money.
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