Bay Private Capital Your Hometown Hard Money Lender

Project Calculators

Estimate your net profit. As with all real estate transactions, minor variables will adjust the precise numbers.

Net Profit Calculator

Just want to know what the loan itself costs? Use the Loan Cost Calculator — loan amount, term, rate, points and fees, and nothing else to fill in.

How to use: Fill in your project numbers. Advanced assumptions are pre-filled with customary amounts — adjust only if needed. This is an estimate, not a quote.
Your Project
Purchase price from seller
Estimated total scope of work to finish the project
Price you plan to sell for
What you plan to borrow — purchase plus any financed rehab
Time to complete and sell
Assumptions (adjust only if needed)
2.5% is the current customary amount
If you're the listing agent, set to 0%
1.5% is generally safe. If the buyer pays all transfers in a distressed sale, use 3%
Any seller concessions you plan to offer
Results
Loan to Value (LTV)
Loan amount against ARV. We shoot for 65% or less — possibly 70% if the profit is high enough —
Closing costs to buy (≈3.5% of acquisition: title fees, insurance, transfer taxes)—
Carrying costs (interest on the loan for the term, 2 points, and $1,290 in fees)—
Cost to sell (commissions and transfer taxes)—
Miscellaneous / unforeseen (a cushion for the surprises — change it to suit the project)
Total cost to buy, carry, and sell—
Estimated Net Profit
—

Estimates only. Actual results depend on final scope, market conditions, and transaction specifics. Apply now or call us to talk through your numbers.

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Bay Private Capital
Your Hometown Hard Money Lender
Deal Analysis

The deal

Costs to buy, carry and sell

Estimated net profit—

Estimate only, produced from the figures entered on bpcloans.com/calculator. Actual results depend on the final scope of work, market conditions and the specifics of the transaction. This is not a loan offer, a commitment to lend, or an appraisal.

Bay Private Capital, LLC · bpcloans.com · ben@bpcloans.com · 301.802.5576