Creative Real Estate Financing
Market News & Data
General Info
Real Estate Strategies
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated 23 days ago,
![Ben O'Neill's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2989529/1712344766-avatar-beno91.jpg?twic=v1/output=image/cover=128x128&v=2)
How to calculate ROI with multiple loans on purchase property?
I recently purchased a duplex for $450,000 with 20% down. However I pulled $50,000 out of a 401k loan with a 10.5% interest rate to be part of the $90,000 down payment. The 10.5% interest on the 401k loan is likely higher than I would have been getting otherwise with no risk of downturn. How should I calculate the ROI considering I really only put $40,000 in the deal with out of pocket cash and my 401k loan is like a hard money loan on the side? Does Bigger Pockets have a calculator that can accommodate other loans that are part of a purchase transaction on top of the mortgage to calculate ROI? i.e. hard money, friend/family money, 401k loan. The 401k loan has a 5 year payback period so I'd really like to see the ROI with $40,000 down and 401k loan payments and mortgage payments running simultaneously.