Calculator
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly PMI:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance, PMI and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
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Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
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Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
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Cap Rate%
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Mortgage Payment:
- Monthly Payment:
- Origination Fee Amount:
Deal Metrics
A metrics of your rental loan deal.
- Total Closing Costs:
- Cash Needed to Close:
- Price Per Unit:
- Gross Rental Income:
- Operating Expenses:
- Net Operating Income:
%
DSCRReturn Metrics
A metrics of your rental loan return.
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Cash Flow:Annual cash flow after all expenses and mortgage are paid.
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Cap Rate:Cap rate, or capitalization rate, is a metric that divides your net operating income (not including your mortgage) by the purchase price or property value. It is most useful in comparing multifamily properties.
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Cash on Cash Return:Cash on cash return is a metric that divides your pre-tax cash flow by the total cash invested in the deal. This is a key metric for most investors.
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DSCR:DSCR calculates the ratio of rental income to your mortgage payment. Ideally, you'll have a DSCR of 1.0 or higher.
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Net Profit$
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Monthly Interest Payment:
- Total Interest Over Term:
- Origination Fee Amount:
- Other Closing Costs Amount:
- Cost To Sell Amount:
Deal Metrics
A metrics of your rental loan deal.
- Closing Costs:
- Carrying Costs:
- Borrower Equity Needed:
- Total Cash In Deal:
%
Loan to After Repaired Value%
Return Metrics
A metrics of your rental loan return.
- Net Profit:
- Loan to After Repaired Value:
- ROI:
Welcome to Karpata Finance Group
Karpata Finance Group connects high-quality investment real estate opportunities with fast, effective financing solutions. Our mission is to empower real estate investors with the capital, guidance, and strategic support they need to expand their businesses and grow their portfolios with confidence.
Karpata Finance Group offers its investor clients the following:
Personalized Service
At Karpata Finance Group, we pride ourselves on delivering highly personalized service tailored to each client’s unique goals and circumstances. We work closely with our clients to understand their investment strategies and financial objectives, crafting customized financing solutions that align with their long-term vision.
Flexible Financing Options
Our diverse range of financing products is designed to support a wide variety of real estate investment strategies. Whether you are seeking capital for a private loan, a value-add property acquisition, or a large-scale commercial project, we provide flexible terms that adapt to different investment needs.
Quick Approval Process
Timing is critical in real estate. Our streamlined application and underwriting process is designed to deliver fast approvals and efficient funding, helping investors move quickly when opportunities arise.
Expert Guidance and Support
Our experienced team of financial professionals provides expert guidance throughout every stage of the financing process. We are committed to helping our clients evaluate opportunities, structure deals effectively, and make informed financial decisions.
Client-Centric Approach
At Karpata Finance Group, the client always comes first. We focus on building strong, long-term relationships based on trust, transparency, and performance—ensuring our clients have a dependable financial partner as they continue to grow their real estate portfolios.
Options and Solutions
Gain access to the capital you need to move forward with your project profitably.
Start a conversation today!
Whether you’re a seasoned investor or jumping into your first real estate project, having a lending partner who can move quickly is essential.
We focus on speed, flexibility, and clear communication to help you close deals without delay. Our experienced team understands the fast-paced world of real estate investing and is here to guide you through every step of the process.
Fill out the quick form on this page to start a conversation about your hard money lending needs today.
Quick 2-Minute Loan Request
How it Works
Gain access to the capital you need to move forward with your project.
Frequently Asked Questions
Hard money loans, unlike traditional bank loans, hinge on the property’s value used as collateral, rather than solely on your financial status. Although these loans often come with higher interest rates, they hold significant appeal for real estate investors. This is because they boast faster closing times, offer flexible terms, and can be repaid swiftly to minimize expenses, thereby facilitating quicker business expansion.
Below are some additional advantages associated with hard money loans:
Swift Access to Capital: Hard money loans provide quick access to capital, enabling investors to seize opportunities promptly.
Flexible Terms: These loans come with a range of repayment schedules and durations, allowing borrowers to tailor the terms to their specific needs.
High Loan-to-Value (LTV) Ratio: Depending on the property’s value and renovation budget, hard money loans can finance up to 90% of the project, providing substantial funding.
Potential for Enhanced Benefits: Building a relationship with the same lender may lead to additional advantages, such as reduced origination fees and interest rates, making it even more attractive for long-term investors.”
Appraisals vary on your financing needs. We do not require appraisals on bridge loans, but we do require them for rental loans.
We provide short term financing, bridge loans, and rental property loans.
Fix & Flip Programs can close in as little as 7 days. Permanent loan programs can take as few as 15 days and up to 45 days. For an accurate timeline based on your specific needs contact us directly.
Still Have Questions?
If you can’t find an answer to your question in the FAQ’s below, you can always Contact us and we’ll respond ASAP.
