📊 Perspective and Practical Advice

✅ Healthy Fix-and-Flip Targets

• Minimum Net Profit of 10%–15% of ARV (varies with risk tolerance, market volatility, and project complexity).
• LTC (Loan-to-Cost) under 90% to avoid overleveraging.
• LTV (Loan-to-Value) under 70%–75% of ARV to maintain equity cushion and protect your margin.

📏 Rules of Thumb to Evaluate a Fix & Flip Deal

The 70% Rule (Classic Investor Guideline)
A flipper should never pay more than 70% of the ARV minus rehab costs.

Formula:
Max Purchase Price = (ARV × 0.70) − Rehab

Example:
ARV = $315,000
Rehab = $25,000
→ Max Purchase = ($315,000 × 0.70) − $25,000 = $195,500

✅ How to Use These Calculators Wisely

• Be conservative in your ARV estimate.
• Be generous with your rehab and reserve budgeting.
• If your net profit shrinks below 10%, reassess:
  • Purchase price — can you negotiate it down?
  • Scope of rehab — can you reduce costs without sacrificing quality?
  • Timeline — can you shorten holding time?

💡 Use these calculators not just to find great deals, but to avoid bad ones.

🔁 Reverse-Engineer the Deal

Net profit not what you expected? Rather than plugging in a purchase price to see if the deal works, start with the ARV and work backward to determine the Maximum Allowable Purchase Price (MAP) that ensures your target profit.

💡 Pro Tip: Set a target net profit (e.g. $40,000+) and use the calculator to test various combinations of ARV, rehab budget, and purchase price to hit that target.

Fix & Flip / Fix to Rent Calculator

Get your estimated loan amounts based on LTP/LTR with LTC/LTV caps.

💸 Estimated Cash to Close

Prefilled from Step #1. Edit defaults if needed, then calculate.

🏗️ Monthly Carrying Costs

Estimate the true cost of holding the property during rehab and marketing.

💵 Net Profit Estimator

Estimate your bottom line before you commit to the project.