Follow the default numbers.
With loan amount of $250,000, the model gives total financing cost: $21,000.
The formula is interest + points + fees + exit fee. Open the breakdown to trace expenses and assumptions. Change one input at a time to see how your decision changes. This example uses scenario inputs; it is not an offer, tax bill, appraisal or legal determination.
Interest assumes a constant loan balance
The model charges annual simple interest on the full entered principal for the selected number of months. It assumes interest-only payments and a balloon payoff. Staged rehab draws, minimum interest, extension charges or interest charged only on disbursed funds can change the cost. Use the lender’s draw and payoff schedule for a closing decision.
Points are an upfront expense
One point equals one percent of principal and is charged once in this illustration. Other fees and an exit percentage are separate. The result shows monthly interest, total carrying interest, upfront financing cost and principal-plus-exit payoff. Costs reduce flip profit; repaying principal is a return of borrowed capital rather than a second financing expense.
Do not call the simple cost ratio APR
Total fees and interest divided by principal gives a simple cost share. Annualizing that share is not a regulatory APR calculation and ignores payment timing. This tool avoids that label. Review lien priority, guarantees, draw controls and the balloon maturity alongside the costs. Test a longer hold before relying on a tight flip spread.
Keep your assumptions with the result
Save the calculation to your deal file to reuse compatible inputs in another tool. The file stays in this browser on this device. Download the CSV to open the complete inputs, results and schedule in Excel or Google Sheets. Use PDF to print the report or save it as a PDF. A share link includes entered financial figures in its URL, so use it only with people you intend to share those numbers with.