Fix and flip calculator

Fix-and-flip math is unforgiving. A deal that looks great on a back-of-the-napkin estimate can lose money once you account for holding costs, sale costs, and the rehab overruns that show up after the walls open. This calculator runs the full P&L: total cash needed at closing, all-in basis once rehab is complete, projected sale proceeds after agent fees and seller closing costs, and — most importantly — the two numbers that actually matter to a flipper: profit in dollars and cash-on-cash return as a percentage.

When investors actually use this tool. Two moments. First and most important: pre-offer, when you're deciding what to bid. The 70% rule (Max Offer = ARV × 70% − Rehab) is a fine starting heuristic, but it bakes in assumptions about closing costs, holding period, and resale costs that don't always hold. Running real numbers through this calculator before you submit an offer is the difference between flipping for a living and flipping until you blow up a deal. Second: portfolio review, when you're comparing two competing deals and need apples-to-apples cash-on-cash returns to allocate capital correctly.

What to do with the result. Professional flippers target 20% cash-on-cash minimum and many pass on anything below 25%, because execution risk eats the rest. If the number works, we offer fix-and-flip financing up to 90% loan-to-cost and 100% of rehab costs, with 12 to 24 month interest-only terms and typical closings in 14 to 30 days. Send us the scenario — purchase price, rehab budget, ARV, and your prior flip experience — and we'll quote pricing quickly.