What the numbers are telling you.
- Points are percentages of the original principal in this model.
- Interest-only payments leave principal outstanding.
- Whole-period cost divided by net cash is not APR.
AUSTIN RATE & HOLDING-PERIOD DESK
Beyond the headline.
See the cost of capital.
Bring interest, entry points, exit fees and cash received into one view.
YOUR DECISION MAP
- 01Set your assumptions
- 02See the trade-offs
- 03Keep, compare or share
41 tools. One connected workspace.
Private lending
Private loan: interest, points & exit
Put monthly interest, origination points, exit charges and net cash received into one loan-cost picture.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-24.3Interest and all entered fees$66,500
Monthly interest-only payment$4,167
Net cash advanced$488,500
Principal plus exit fee due$505,000
Whole-period cost / net advance13.61%
Whole-period cost is not APR or annualized yield. Draws, retained/capitalized interest, amortization, extension/default charges, taxes and unentered legal costs are excluded. Rates are scenarios, not lender offers.
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Find a better fit.
For your next move.
Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.
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ONE PLAN / YOUR NEXT QUESTION
Keep your plan
moving.
Review what carries across, then continue in another tool. The remaining values are examples to check.
Runs on this device. No enquiry is sent and no plan is automatically saved.
A SMALL CHANGE / A DIFFERENT VIEW
Hold the loan three months longer
Interest and all entered fees
Current scenario$66,500
Changed assumption$79,000
One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.
Why does a lower rate sometimes cost more?
Points, other fees, exit charges and the holding period can outweigh a lower headline interest rate. Compare the same cash flows and period.
Ask about your next step ↗THE LONG VIEW
Follow the balance.
View the year-by-year numbers +
YOUR COMPARISON TABLE
Keep the possibilities
side by side.
Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.
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OPEN METHODS / BETTER QUESTIONS
Understand what the number means.
The calculation
Simple monthly interest on fully advanced principal; entry and exit percentages use original principal. Entry and other fees reduce net advance. Principal remains due at exit.
Before acting on the result
Whole-period cost is not APR or annualized yield. Draws, retained/capitalized interest, amortization, extension/default charges, taxes and unentered legal costs are excluded. Rates are scenarios, not lender offers.
Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.
YOUR PLAN / READY TO KEEP
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