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MGM GUC Calculator
Ground-Up Construction — matches the "GUC Quote" tab: LTARV / True LTC / 90-100 methods, lot equity credit.
MGM CAPITAL INVESTMENTS, LLC
Invest. Build. Grow.
Business-purpose lending — not for consumer use
Invest. Build. Grow.
Business-purpose lending — not for consumer use
v1.0 — built from GUC Quote tab, Aug 2026
01
Loan Details
$
$
%
%
Client financing own construction?
No — construction financed by loan
Yes — lot-only loan
02
Lot Status & Equity
Purchasing
Owned Free & Clear
Financed
$
Lot equity is credited dollar-for-dollar against down payment + closing costs only — not against reserves.
03
LTC Calculation Method
LTARV
True LTC
90/100
04
Leverage Guidelines
%
%
Apply LTC cap alongside LTARV?
No — ARV-driven only (matches source sheet)
Yes — loan = lesser of ARV cap / LTC cap
Many wholesale construction lenders size the loan as the lesser of an ARV-based cap and an LTC-based cap. The source sheet's LTARV method only checks ARV — toggle this on to also cap by LTC.
05
Fees
%
%
$
$
Origination fee = MAX(Loan × Lender Orig%, $2,500) + MAX(Loan × MGM Orig%, $2,000) — floors per the source sheet.
06
Additional Closing Costs
$
$
$
$
$
$
$
$
The source sheet's base cash-to-close figure excludes title and other 3rd-party fees — these fields let you add them back in for a fully-loaded quote.
07
Draw Fees — Paid Outside Closing
$
Draw fees are netted against draw proceeds, not paid at closing — shown here for full project-cost visibility, excluded from cash-to-close.
08
Reserve Requirement
3 Months Max Pmt
6 Months Max Pmt
12 Months Max Pmt
Presets set the field — edit directly to match a specific lender's actual requirement. Not required to be seasoned; verified, not held.
09
Quick GUC Quote
Estimated Cash to Close
$0
Excludes reserves and title/3rd-party fees left at $0 above. Negative = credit due to borrower.
Total Loan Amount
$0
LTV (Loan/ACV)
0%
Initial Lender Advance
$0
Construction Request
$0
Loan summary
Lot cost / value basis$0
Construction budget$0
Total project cost$0
Total loan amount$0
Leverage calculations
Blended LTC0%
Construction LTC financed % of budget0%
Current ARV / LTV0%
Max allowable ARV / LTV0%
Monthly payments
Base monthly payment on initial advance$0
Max monthly payment fully drawn$0
Closing summary
Down payment$0
− Lot equity credit applied$0
Origination fee$0
Underwriting fee$0
Processing fee$0
Prepaid interest $0
Appraisal$0
Attorney / title$0
Survey / flood cert$0
Legal fee$0
Document prep fee$0
Credit report fee$0
− Closing cost reimbursement$0
− Lot EMD / deposit credit$0
Estimated cash to close$0
Draw fees (paid outside closing, not in total above)
Estimated total draw fees$0
Reserves (verified, not held)
Post-closing reserves$0
Total liquid required$0