When you are chasing a deal, the slowest part is usually the money. You find a property, the clock starts, and you still do not know what your loan looks like or how much cash you need to bring. Most lenders make you call and wait a day or two just for a ballpark. The instant term sheet skips all of that. You type in your deal and in about three minutes you get an itemized document, priced against real lender programs, that you can actually use before you ever pick up the phone.

What the Term Sheet Shows You

This is not a rate range on a landing page. It is a full, itemized term sheet with your name and property on it. Here is what is on the page:

  • Your loan amount and how it is built (percentage of purchase plus your rehab budget)
  • The interest rate and loan term
  • Every fee, broken out line by line: down payment, origination, broker fee, title and closing
  • Your cash to close, the actual number you wire at the closing table
  • The proof of funds a lender will want to see in your account
  • Your estimated monthly payment, at initial funding and at full draw
Your Term Sheet
Capital Kings instant hard money term sheet showing deal overview, lender snapshot, loan terms, itemized fees, and cash to close for a fix and flip.
A real term sheet generated from the tool. Every number is itemized, and the full sheet also runs a 70% rule check and estimates your exit profit.

Does It Cost Anything, or Touch My Credit?

No, and no. It is free, and there is no credit pull. When the tool asks for your credit score, you are just telling it your range so it can match you to the right program. Whether you have an 800 or you are still rebuilding, I have lenders for it. Nothing gets run, and nothing hits your report.

The one thing to be clear on: this is a preliminary estimate, not a loan commitment. It is built on real lender pricing, so the numbers are honest, but I will come back to why the final number can move.

What to Have Ready

You do not need much. Before you start, have a rough idea of:

  • The property address and purchase price
  • Your rehab budget
  • Your after repair value (ARV) estimate, what the property sells for once it is fixed up
  • Roughly how much cash you have available
  • Your credit range and how many deals you have done

If you do not have exact numbers, estimate. Running your deal math first helps, but you can always refine the inputs later.

How to Get Yours in About 3 Minutes

You do not have to imagine it. Below is the real mini term sheet, the same one that runs on the homepage. Drag the sliders, or click any number and type your own, and your loan amount, LTV, cash to close, and proof of funds recalculate as you move. It is the zero-commitment way to get a feel for a deal.

Capital Kings Mini Term Sheet Capital Kings, LLC Live
Your deal
$50K$1.5M
$0$500K
$100K$3M
Your terms
Loan Amount$369,500
of purchase + 100% of rehab
Current LTV67.2% 75% MAX
Loan-to-Value of ARV
Down Payment$15,500
Closing Costs & Fees$20,287
Lender and broker fees, title, insurance, appraisal and prepaid interest
Total Cash to Close$35,787
Proof of Funds RequiredDown + fees + holdback + 6 mo. interest$75,765
See Your Full Term Sheet →

This is the real tool, not a screenshot. Same math as the homepage: it just does not save anything until you apply.

When you want the real, itemized sheet you can save and use, here is the flow:

Start the application and pick "I have a property"

Head to the apply page. If you have a property under contract or identified, choose the first path. If you are still shopping, the "Quick Pre-Approval" path gets you a letter you can make offers with.

Drop in your deal numbers

Property address, purchase price, rehab budget, and your ARV estimate. This is the same info you would give any lender, just without the phone tag.

Tell it what matters most to you

Fastest close, least cash out of pocket, or lowest rate. This is the important part. It is what routes your deal to the right lender program instead of a one-size-fits-all quote.

Get your term sheet

It generates instantly. You can view it, download the PDF, and it saves to your borrower portal so it is there when you need it.

capitalkings.co/apply
Capital Kings application start screen with three paths: I have a property, Quick Pre-Approval, and Just Running Numbers.
Step one. Pick the path that fits and the tool routes you down the fastest way to a real answer.
One honest thing. A term sheet is an estimate, not a firm quote. It is built on real lender pricing, but your final terms depend on the property appraisal, your actual credit, and the lender's review of your file. The number can move. What it does is get you most of the way there in three minutes instead of three days, so you can make offers with confidence and know your cash to close before you commit a dollar.

Common Questions

Is an instant term sheet a real loan offer?
No. A term sheet is a preliminary estimate, not a binding loan commitment or a guarantee of financing. It is built on real lender pricing, so the numbers are realistic, but your final terms are set after the property appraisal and a full review of your file.
Will getting a term sheet run my credit?
No. There is no credit pull. The tool asks for your estimated credit range only so it can match you to the right lender program. Nothing is run and nothing hits your credit report.
How accurate is the instant term sheet?
It is as accurate as the numbers you put in. If your purchase price, rehab budget, and ARV estimate are close to reality, your loan amount, rate, and cash to close will be close too. The final terms are confirmed after appraisal and lender review.
What do I need to get a hard money term sheet?
Your property address and purchase price, your rehab budget, your estimated after repair value, roughly how much cash you have available, your credit range, and how many deals you have done. The whole thing takes about three minutes.
Do I have to talk to anyone to get one?
No. You get the term sheet instantly and it saves to your borrower portal. I follow up only if you want me to. There is no pitch and no pressure attached to pulling your numbers.

Not sure how a specific deal pencils? Build the term sheet first, then we will look at the numbers together. It costs you nothing and it is the fastest way to know where you stand.

See your numbers in about 3 minutesYour loan amount, rate, every fee, and cash to close, itemized. No phone call, no credit pull.
Get My Term Sheet →