Hard MoneyFacts True-cost calculator

For publishers

Put these calculators on your own site

All three calculators are free to embed, with no registration, no tracking and no catch. Copy one line of HTML.

Reviewed and updated · How we research this

If you write for real estate investors, run a brokerage site, teach a course, or just have a blog post where one of these would help — take them. They are free to embed, there is nothing to sign up for, and we do not track your visitors.

The terms, in full

  • Free, for commercial and non-commercial sites alike.
  • Keep the attribution link in the footer of the widget. That is the entire price.
  • Do not modify the calculation logic or remove the credit.
  • We may update the calculators; your embed picks up changes automatically.
  • No warranty — these are educational models, not financial advice. Same terms as the rest of the site.

How it works

Each snippet is an iframe plus a few lines of JavaScript that listen for a height message from the widget, so it grows and shrinks to fit its content instead of scrolling inside a fixed box. If you drop the script, the iframe still works — it just stays at the fallback height.

The snippets

True cost of a hard money loan

Models the accrual basis, minimum interest, the full fee stack, draw fees and extensions - then shows the real annualised cost. Preview the widget.

<iframe src="https://hardmoneyfacts.com/embed/true-cost/" title="True cost of a hard money loan"
        width="100%" height="1240" style="border:1px solid #e2e6e9;border-radius:10px"
        loading="lazy" id="hmf-true-cost"></iframe>
<script>
window.addEventListener("message", function (e) {
  if (!e.data || !e.data.hmfEmbed || e.data.id !== "true-cost") return;
  var f = document.getElementById("hmf-true-cost");
  if (f) f.style.height = e.data.height + "px";
});
</script>

The 70% rule calculator

The rule's maximum offer, next to what your real costs and required profit actually allow. Preview the widget.

<iframe src="https://hardmoneyfacts.com/embed/70-percent-rule/" title="The 70% rule calculator"
        width="100%" height="920" style="border:1px solid #e2e6e9;border-radius:10px"
        loading="lazy" id="hmf-70-percent-rule"></iframe>
<script>
window.addEventListener("message", function (e) {
  if (!e.data || !e.data.hmfEmbed || e.data.id !== "70-percent-rule") return;
  var f = document.getElementById("hmf-70-percent-rule");
  if (f) f.style.height = e.data.height + "px";
});
</script>

The refinance-out (BRRRR) check

Whether the refinance repays the bridge, clears DSCR, and fits inside the seasoning window. Preview the widget.

<iframe src="https://hardmoneyfacts.com/embed/refinance-out/" title="The refinance-out (BRRRR) check"
        width="100%" height="1120" style="border:1px solid #e2e6e9;border-radius:10px"
        loading="lazy" id="hmf-refinance-out"></iframe>
<script>
window.addEventListener("message", function (e) {
  if (!e.data || !e.data.hmfEmbed || e.data.id !== "refinance-out") return;
  var f = document.getElementById("hmf-refinance-out");
  if (f) f.style.height = e.data.height + "px";
});
</script>

Something else in mind?

If you want a different size, a version without the intro text, or a calculator we have not built, email us. We would rather hear from you than have you rebuild it.

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