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.
ASPEN 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
34 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 2026-10-23.3Interest 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.
Get help with my next step ↗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.
No scenarios saved on this device yet.
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 NEXT STEP / MITEY U.S.
A number is a start.
Make the next step clearer.
Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.
01 · Your calculator stays free02 · Share only what you choose03 · No loan application or credit check
This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.
Get help with my next step ↗
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