Private Money Math — Quick Start

Understand the numbers before you sign the deal.

Private Money Math — Quick Start gives real estate investors a plain-English introduction to deal-financing math.

Your download includes:

• Private Money Math Guide — 23-page PDF

• Quick Reference — 2-page PDF with core formulas and deal checks

Learn how loan-to-value, loan-to-cost, ARV caps, points, interest, draws and cash requirements fit together. Work through clearly labeled hypothetical examples covering flip expenses, rental DSCR, construction costs and downside testing.

Revised September 15, 2026, with corrected examples and primary-source notes. Published by Phlash Capital with AI assistance.

Educational materials only. No lender matching, loan arranging, personalized underwriting or financing is included. Examples are simplified and do not guarantee approval, profitability or investment success. Lender methods and transaction costs vary. This is not legal, tax, accounting, appraisal or investment advice.

Format: One ZIP containing two PDFs. Read digitally or print; the PDFs are not interactive fillable forms. The Excel calculator and Deal Lab are not included in Quick Start.

Want editable calculators? Choose Investor Toolkit. Want calculators plus five practice deals and answer keys? Choose Complete Bundle.