Investor Loan Calculators

Bridge Loan Scenario Builder

How could the capital be structured?

The calculator does the math. Ben provides the capital strategy.

Transaction

Scenario name

Property address, optional

Transaction typePurchase price, if applicable

As-is value

Existing payoff

Rehab budget, if applicable

As-completed value / ARV

Scenario financing assumptions

Example assumptions. Adjust as needed. These are not universal lender terms.

Requested loan amount

Max LTV assumption

Max LTC assumption

Max LTARV assumption

Interest rate

Origination points

Exit fee

Loan term, monthsExpected payoff month

Interest reserve

Deferred interest

Exit assumptions

Exit strategyExpected exit value

Expected takeout loan

Expected takeout rate

Stabilized monthly rent

Stabilized annual NOI

Scenario notes

Notes for your advisor

Scenario result

Current modeled constraintLTV

LTV-supported amount$393,750

LTC-supported amount$467,500

LTARV-supported amount$490,000

Modeled loan amount$393,750

Day-one proceeds$343,750

Rehab holdback$50,000

Interest reserve$0

Estimated cash to close$206,250

Monthly interest$3,609

Accrued interest$0

Origination cost$7,875

Exit fee$0

Estimated payoff at exit$393,750

Estimated payoff at maturity$437,063

Total modeled financing cost$40,359

Refinance gap / surplus$106,250

How this was calculated

LTV, LTC and LTARV support are calculated independently. The lowest applicable user-selected constraint sets modeled financing.

What happens if your assumptions are wrong?

Base case and stress cases

Base case$106,250takeout surplus / gap

Exit value -5%$81,250takeout surplus / gap

Exit value -10%$56,250takeout surplus / gap

Exit delayed 3 months$95,422takeout surplus / gap

Takeout rate +1%$91,250takeout surplus / gap

Combined downside$31,922takeout surplus / gap

The modeled takeout exceeds projected payoff by $106,250 under the assumptions entered.

Keep or share this scenario

Send me the scenario exactly as you’ve modeled it. I’ll review the structure, identify the constraints, and look at available capital options.

Planning estimates only. These tools do not constitute a loan quote, approval, commitment, appraisal, investment recommendation, or rate lock. Financing availability and terms vary by lender, program, property, sponsor profile, geography, loan size, and transaction structure. Property values, ARV, completed values, rents, NOI, costs, and timelines entered into these tools are user assumptions unless otherwise stated.

Projected profit and returns depend on the assumptions entered and are not guarantees of future results. Annualized financing-cost figures are scenario-analysis metrics and may not represent regulatory APR.