Fix & Flip Calculator

Calculate Your Fix & Flip Profit

Analyze potential returns on your fix and flip investment project

Project Details

Purchase Price

Estimated Rehab Costs

After Repair Value (ARV)

Down Payment (0.0%)

Typically 10-25% of total project cost

Interest Rate (%)

Loan Term (months)

Expected Holding Period (months)

Closing Costs

Selling Costs

Profit Analysis

Net Profit

ROI: 0.0%

Monthly Interest Payment$0

Total Interest (6 mo)$0

Cash Invested$0

Project Cost Breakdown

Purchase Price$200,000

Rehab Costs$50,000

Closing Costs$5,000

Interest Paid$0

Selling Costs$18,000

Total Costs$0

Deal Summary

Total Project Cost$0

Loan Amount$0

Down Payment$50,000

After Repair Value$300,000

This deal shows a loss. Consider negotiating purchase price, reducing rehab costs, or increasing ARV.

* Fix & Flip loans are short-term, interest-only loans for real estate investors. Rates are typically higher than traditional mortgages. These calculations are estimates only and don't include unexpected costs.

Quick Answer

How Fix and Flip Math Works

A fix and flip deal is judged on after repair value. Lenders typically fund up to about 70–75% of ARV across purchase and rehab combined, which means your acquisition price plus the renovation budget has to fit under that ceiling with your profit intact. Financing costs are short-term and front-loaded: origination points, interest-only monthly payments on drawn funds, and a term measured in months rather than years.

The number that decides the deal is not the rate — it is the holding period. Every extra month of interest, taxes, insurance, and utilities comes straight out of profit, so an accurate rehab timeline matters more than shaving a point off the coupon.

What This Calculator Accounts For

The Numbers That Move Your Payment

After repair value ceiling

Total loan exposure is measured against ARV, not purchase price. An optimistic ARV is the most common way a flip budget breaks.

Rehab draws

Renovation funds are released in stages against completed work, so you carry each phase before reimbursement.

Interest-only carry

You pay interest on drawn funds only, which rewards finishing early and punishes overruns.

Exit costs

Agent commission, title, seller concessions, and taxes at resale need to be in the model before you call a spread profit.

FAQs

Fix and Flip Calculator Questions

Quick Answer

Plan on the gap between the lender's ARV-based maximum and your total project cost, plus closing costs and a contingency. Most borrowers bring roughly 10–20% of the purchase price along with the first rehab phase.

These loans are underwritten on the asset and the exit plan, so timelines are far shorter than conventional financing — days rather than weeks when the appraisal and scope of work are ready.

Yes. The BRRRR exit refinances into a DSCR loan once the renovation is complete and the property is leased, using the new appraised value rather than your purchase price.

It affects pricing and leverage more than approval. Experience matters too — documented prior projects usually earn better terms than a first-time flipper receives.

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