[Calc Review] Help me analyze this deal- Total Cash Flow invested

[Oluwaseyi Lapite]

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*This link comes directly from our calculators, based on information input by the member who posted.

I am a bit confused as to how the total cash invested is calculated , my numbers arent the same as that in the calculator:

TOTAL CASH REQUIRED AT AQUISITION

 Purchase price: 70000

  Repair cost: 30000

ARV: 120000

  Hard money loan(75% of arv): 90000

  Points on loan: 2700

Closing cost:2500

   Total needed at aquisition: (70000+30000-90000)+2500=12500; the same as the calculator but arent the points paid on a hard money loan paid upfront? the calculator adds the loan points to the total loan so you pay interest on the loan and the points. 

TOTAL CASH AT REQUIRED AT REFINANCE

Months to refinance: 6 months

Rehab duration: 3 months

total interest paid to hard money: ((11.99% x 92700)/12)* 6 = $926.3* 6= 5557.4

closing cost: 2500

Refinance loan(70% of arv): 84000

Total cash invested= (Total amount needed at aquisition)+ (closing cost,refinance)+(total interest paid to hard money) + (difference  between hard money loan and bank loan)

= 12500 + 2500+ 5557.4+ (92700-84000)= $29257.4; the calculator states I have to pay $23700. Im not sure where i went wrong in this but it makes sense that I have to pay the the difference between hard money and bank loan.