Private Money Calculator
See if the deal can afford private money.
Analyze lender points, interest, profit split, total financing cost, investor profit, and lender return.
Property Search
Start typing to search real addresses.
Deal Analysis
Enter Address
Complete
💰
Property Image
Property Type
Private Money Flip / Rental
Loan Amount
$275,000
ARV
$375,000
Lender Return
$22,000
Vireon Read
This structure leaves estimated investor net profit of $14,800 after lender points, interest, holding costs, selling costs, and profit split.
Vireon Decision
NEGOTIATE
!
This deal has potential, but the private money terms need improvement. Negotiate points, interest, loan amount, term length, or profit split.
Investor Profit
$14,800
Lender Return
$22,000
Monthly Interest
$2,750
Investor ROI
56.9%
Equity Spread
21.3%
Private Money Breakdown
ARV / Exit Value$375,000
All-In Before Split-$360,200
Gross Profit Before Split$14,800
Lender Profit Split-$0
Investor Net Profit$14,800
Cost Breakdown
Purchase Price$250,000
Rehab Budget$45,000
Closing Costs$6,000
Lender Points$5,500
Interest Cost$16,500
Holding Costs$7,200
Selling Costs$30,000
AI Insights
Decision signal: NEGOTIATE
Investor net profit is $14,800.
Lender total return is $22,000.
Private money cost is $22,000.
Recommendation Guide
REJECT
Terms too costly
NEGOTIATE
Improve lender terms
BUY
Deal supports debt