Fix-and-Flip Financing Calculator

Does the flip pencil out?

Estimate the full economics of a flip: acquisition, renovation, financing, carrying costs, and the exit — plus net profit, ROI, and a 70%-rule maximum-offer reference. Then stress it against a softer resale and a longer hold.

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Taxes, insurance, utilities during the hold.
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Your flip economics appear here.
Enter acquisition price and resale value, then run it.

Educational estimate only. Renovation, resale, and financing outcomes carry real risk and vary widely. Not an offer or a projection of results. Full disclaimer.

The 70% rule, in context

The 70% rule — offer no more than 70% of after-repair value minus rehab — is a screening heuristic investors use to leave room for financing, carry, selling costs, and profit. It's a starting filter, not a guarantee, and thin markets or heavy rehab can call for a wider margin. This tool shows it alongside the full cost build-up so you can see where your deal actually lands.

Financing the deal

Explore short-term structures via the Bridge Calculator, or see which pathway fits with the Route Finder.

How is financing cost estimated?

Points plus interest-only interest on the loan for the holding period, plus any other fees. Many flip loans are structured this way, but confirm terms with your lender.