THE LENDING CLARITY TOOLKIT
This is a professional-grade suite of calculators and resources designed to give private money lenders the deal clarity they need to make confident, informed lending decisions. From initial deal screening to closing reconciliation, every tool in this toolkit supports one goal: knowing your numbers before you commit your capital.
WHAT’S INSIDE THE TOOLKIT:
PML Quick Deal Analyzer: Screen any deal against your Loan Box criteria in seconds. Enter your LTV requirements, borrower cash contribution, and deal inputs — and get a clear PASS or FAIL verdict.
Comp Calculator: Evaluate comparable properties to verify market value and confirm whether a borrower's numbers are supported by real data. Includes deal cost detail, holding costs, and a full deal summary.
Equity Share Calculator: Reconcile your equity share at closing against the ALTA Settlement Statement to confirm you are being paid correctly before you leave the closing table.
Daily Prepaid Interest Calculator: Calculate the exact daily interest accrual needed to build an accurate payoff statement.
HELOC Balance Reduction Calculator: Model how applying incoming PML interest payments directly toward your HELOC principal reduces your interest costs over the life of the loan.
HELOC Minimum Payment Calculator: Compare what your loan position looks like when making only the minimum payment on your HELOC — so you can see the difference between both strategies side by side.
Mortgage Calculator: Estimate monthly payments based on loan amount, interest rate, and term.
Profit Margin Calculator: Set your target return and instantly see whether a deal meets your requirements — yes or no.
Rental Analysis Calculator: Evaluate monthly cash flow and determine whether a property aligns with an appreciation-focused or cash flow-focused lending strategy.
ROI Calculator: Compare private money lending versus hard money lending to identify where your best return sits on any given deal.
Borrower Loan Proposal Form: Capture and track every detail of a deal in one place — borrower information, property and title details, loan terms, transaction dates, payment summary, amortization table, and a full documents and transactions checklist.
Term Sheet: Present your lending terms to the borrower in a clean, professional format. Includes signature fields and applicable lender clauses.
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HOW THIS TOOLKIT SUPPORTS WOMEN ON BOTH SIDES OF THE BUSINESS:
The Lending Clarity Toolkit empowers both lenders and borrowers by providing clarity, precision, and insight into critical financial decisions. For PMLs, it simplifies the process of evaluating deals, calculating returns, and making strategic decisions that align with their financial goals. For borrowers, it provides a transparent look into the costs and potential returns of loans, helping them to negotiate better terms and build confidence in their investment strategies. By equipping women with these powerful tools, the Level Up PML Toolkit fosters financial independence, promotes smarter decision-making, and builds a supportive community where women can thrive on both sides of the private money lending business.
Join a network of women who are flipping the script on traditional finance. Get the mentorship and tools you need to grow your income and take control of your financial destiny.
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