Bay Private Capital Your Hometown Hard Money Lender

Loan Cost Calculator

What the loan itself costs you, start to finish. Change the numbers, then copy, email or print the result.

What will this loan cost?

How to use: Put in the loan, the term and the rate. Our loans are interest only, paid monthly, with the principal due at payoff — so there is no amortization here, and no prepayment penalty either. This is an estimate, not a quote.
Your Loan
What you're borrowing. If your points and fees are rolled in, include them here
How long you expect to hold it. Our terms run up to 12 months
Most of our loans land between 10% and 12%
Usually 2 to 3, and they can be rolled into the loan
Our total is $1,290 — application, processing, underwriting and document preparation
What It Costs
Monthly Payment
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Total Cost of the Loan
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Interest  —
Points  —
Attorney & processing fees Application, processing, underwriting and document preparation—
Total cost of the loan—

If you pay it off early

There is no prepayment penalty. Sell in month four and you pay four months of interest — we don't charge you for being fast.

Paid off inInterest to datePoints & feesTotal cost

Estimates only, and not a loan offer, a commitment to lend, or a Truth in Lending disclosure. Your rate and points depend on your experience, the deal, and loan to value. See our published rates or apply now.

Working out whether the deal itself pays? Use the Net Profit Calculator, which takes the purchase price, the rehab budget and the ARV.

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Bay Private Capital
Your Hometown Hard Money Lender
Loan Cost Estimate

The loan

What it costs

Total cost of the loan—

If you pay it off early — no prepayment penalty

Estimate only, produced from the figures entered on bpcloans.com/loan-cost. Interest only, billed monthly, with the principal due at payoff. Your rate and points depend on your experience, the deal and loan to value. This is not a loan offer, a commitment to lend, or a Truth in Lending disclosure.

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