ProFinance · Simulator
Hard Money Lending Simulator
Project returns on a fix-and-flip loan.
Assumptions
Interest income
$24,000
Points income
$4,000
Effective annual yield
14%
| Line | Amount |
|---|---|
| Loan amount | $200,000 |
| Interest | $24,000 |
| Points | $4,000 |
| Total return | $28,000 |
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Built by The Crimson Bench · Educational model, not financial advice
About the Hard Money Lending Simulator
Model a short-term real-estate loan with points to see effective annual yield. Educational only.
It's built for directional planning: change any assumption and watch the whole projection move, the way a seasoned operator pressure-tests a plan before committing capital. Everything is computed live in your browser — nothing is sent anywhere.
How the Hard Money Lending Simulator Works
The model takes 4 assumptions and returns 3 headline metrics plus a full breakdown. Here is exactly what goes in and what comes out — no black box.
The Inputs
| Assumption | Example value |
|---|---|
| Loan amount | $200,000 |
| Interest rate | 12% |
| Origination points | 2% |
| Loan term (months) | 12 |
Worked Example
Every figure below is produced by the live model using the example assumptions above. Change any input in the simulator to see your own numbers.
Interest income
$24,000
Points income
$4,000
Effective annual yield
14%
| Line | Amount |
|---|---|
| Loan amount | $200,000 |
| Interest | $24,000 |
| Points | $4,000 |
| Total return | $28,000 |
The Operator's Read
Hard money lends against the property (low LTV) at high rates plus upfront points — short terms and asset collateral drive strong annualized yields. The risk is borrower default and having to foreclose/finish the project. Conservative LTV and vetting the flipper protect the principal. Educational only.
Assumptions & Limitations
- •The model is deterministic: it projects your inputs forward with clear arithmetic, not a Monte-Carlo or probabilistic forecast. It shows one scenario at a time — run several to bracket a range.
- •Defaults are illustrative benchmarks, not your business. Replace every field with your real numbers before drawing conclusions.
- •It abstracts away taxes, financing, seasonality, and one-off events unless a field explicitly captures them. Treat the output as a directional estimate.
- •This is an educational tool, not financial, investment, tax, or legal advice. Validate real decisions with a qualified professional.
Frequently Asked Questions
What does the Hard Money Lending Simulator calculate?
Model a short-term real-estate loan with points to see effective annual yield. Educational only. It takes 4 assumptions — Loan amount, Interest rate, Origination points, Loan term (months) — and returns Interest income, Points income, Effective annual yield, along with a full projection table you can export.
How do I use the Hard Money Lending Simulator?
Enter your own figures in the input fields above — Loan amount, Interest rate, Origination points, and the rest. The model recalculates instantly and shows the resulting Interest income and full breakdown. No sign-up needed to run it.
Is the Hard Money Lending Simulator free?
Yes — you can run the simulator and see the headline results for free. Toolkit Pro unlocks the full projection table, Excel/PDF export, saved scenarios, and AI analysis: $180/mo, $1,728/yr, or unlock any 3 simulators for $20.
What's the difference between this and a free calculator?
A calculator answers one question. This simulator models the full picture — multiple linked assumptions, a projection table, and scenario comparison — the way an operator would build it in a spreadsheet, but instantly.
Who built the Hard Money Lending Simulator?
The Crimson Bench's Ivy League-educated operators — the same people we deploy into C-suites. This is the self-serve version of a model they'd build inside a live engagement.
Is this financial advice?
No. The Hard Money Lending Simulator is an educational modeling tool for directional planning — not financial, investment, tax, or legal advice. Validate any real decision with a qualified professional.
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The Crimson Bench · Est. 2002 · Founded in New York City
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