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SAN JOSE RATE & HOLDING-PERIOD DESK

Bridge the gap.
Understand the carrying cost.

Keep interest, fees and the maturity balance together.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

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Investor & commercial

Bridge-loan carrying cost

See interest, entry/exit fees and the repayment balance before relying on an exit.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-23.3
Interest plus modeled fees$60,000
Balance and exit fee at maturity$500,000
Total interest$50,000
Upfront entry fee$10,000

No extension, minimum-interest, default or legal charges; exit value is not forecast. Capitalized interest increases the maturity balance.

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A SMALL CHANGE / A DIFFERENT VIEW

Exit three months later

Interest plus modeled fees

Current scenario$60,000
Changed assumption$72,500

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. Cash-paid interest leaves principal unchanged in this model. Capitalizing interest increases the balance and future interest.
  2. Entry and exit charges use original principal, according to the entered percentages.
  3. Sale timing, extension charges and exit financing are not guaranteed by the model.
A GOOD QUESTION

How does capitalized interest change a bridge loan?

Instead of paying interest each month, the model adds it to debt. Later interest is charged on that larger balance and more is due at maturity.

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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

Interest is either paid monthly or capitalized monthly. Entry and exit fees are percentages of original principal.

Before acting on the result

No extension, minimum-interest, default or legal charges; exit value is not forecast. Capitalized interest increases the maturity balance.

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.

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About: Bridge-loan carrying cost · San Jose

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