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Hard Money Loan Calculator for Orange County, San Diego, Las Vegas & Phoenix

Calculate Your Hard Money Loan Payments in Seconds

Hard money loans offer fast, asset-based funding options for real estate investors in California, Nevada, and Arizona. Whether you’re exploring a fix-and-flip in San Diego, seeking bridge financing in Las Vegas, or purchasing rental property in Phoenix, these short-term solutions focus on the property’s value—not your credit score.

Use the calculator below to estimate monthly payments, balloon payments, and total interest based on your loan scenario.

Estimate Your Hard Money Loan Payments

Enter your purchase price, LTV (loan-to-value ratio), interest rate, and loan term.

[pp]-[la]
$
([lvt]/100)*[pp]
$
%
Months
([la]*([ir]/100))/[lt]
$
[la]
$
([la] * ([ir]/100) / 12) * [lt]
$

Unlock Your Funding Potential

Get started today and discover competitive rates tailored to your investment needs.

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How the Formula Works

Explain the inputs and outputs in plain language.

Example:

  • Purchase Price: property cost
  • LTV (Loan-to-Value): typically 65–75%
  • Loan Amount: what you actually borrow
  • Monthly Payment: usually interest-only
  • Balloon Payment: balance due at end of term
  • Total Interest Paid: total cost of borrowing
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Hard Money Loan Company in Orange County

Typical Loan Terms in Our Markets

Hard money loans differ slightly depending on your market, but here’s what you can expect in the areas we serve:

Orange County & San Diego:

Loan amounts from $50K to $500K, 12–24 month terms, interest-only with balloon payment at the end.

Las Vegas (Clark County):

Popular with fix-and-flip investors, most loans are at 70% LTV, quick approvals, and flexible repayment terms.

Phoenix (Maricopa County):

Fast funding for rental acquisitions and value-add projects. Terms are short, competitive, and designed to match Arizona’s fast-moving real estate market.

Rates and Fees

Hard money loan rates are higher than traditional mortgages, but the speed and flexibility make them attractive for investors:

  • Interest Rates: Typically 10–15% in Southern California, 11–18% in Nevada and Arizona depending on property and risk.
  • Origination Fees: 2–6% of the loan amount.
  • Other Costs: Points and closing costs vary by project size.

When to Use a Hard Money Loan

Hard money loans are ideal when

  • You need to close in days, not months.
  • You’re investing in fix-and-flip properties in markets like San Diego or Orange County.
  • You need bridge financing while waiting on traditional funding.
  • You’re acquiring a rental property in Phoenix or Las Vegas where competition is high.

Get pre-approved today!

At Coastline Bridge Lending, we’re here to make funding your next flip simple, fast, and profitable. With our investor-focused approach, competitive terms, and reputation as one of the private money lenders in Orange County, you’ll have the confidence and capital to move forward.

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Frequently asked questions about fix-and-flip loans

Can I pay off a hard money loan early?

Yes, many investors pay off loans early to reduce interest costs. Always confirm with your lender about prepayment policies.

What’s the average hard money loan rate in Phoenix or Las Vegas?

Rates range from 11–18% depending on property type, LTV, and borrower experience.

How fast can I get approved in San Diego or Orange County?

Funding can be completed in as little as 5–10 days.