Rehab & Renovation Loan Calculator — Purchase + rehab leverage, contingency, draw interest to ARV
Cash to close, IO on average outstanding, points, and dual-cap leverage. Loan is the lesser of project cost × LTC and ARV × LTARV. Rate and points are your estimates — not GI quotes. Not a credit decision.
Project
Purchase, rehab, and ARV. Contingency is required on this worksheet — default 10–15%.
Rehab contingency
Percent of rehab. Educational default 10–15% — not a quote. Edit the chips or the field.
Contingency chips
Typical illustration 10–15%. 20% is a heavier cushion.
Financing assumptions
Educational chips — not GI policy or a quote. Edit any field.
Educational LTC chips
Typical illustration 75–90%.
Educational LTARV chips
Typical illustration 65–75%.
Educational term chips
6–18 months.
Educational points chips
1–4 points.
Avg-draw interest / hold carry
IO on average outstanding: initial advance plus rehab holdback × your avg-draw %. Hold months drive carry, not just the loan term.
Avg-draw chips
Educational. 50% is a common mid-job outstanding assumption.
Hold months
Avg-draw IO uses hold, not just the loan term.
Optional exit
Hold, refinance, or rent after rehab is a valid story on this desk. Sale P&L is optional — not the only exit.
Results
Still need purchase. No email wall. Estimate only. Broker, not a lender.
Results appear here
Business Purpose / No Owner Occupied. Caps, rate, and points are your assumptions — not GI quotes. Not a credit decision.
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