Fix & Flip Profit Calculator
Estimate net profit, ROI, financing cost, and maximum allowable offer (MAO) before you buy.
How to Use the Fix & Flip Calculator
- Enter the purchase price and estimated renovation budget
- Input holding costs — monthly loan payments, taxes, insurance, and utilities during the rehab period
- Set the after-repair value (ARV) based on comparable sales in the area
- Add selling expenses including agent commissions, closing costs, and transfer taxes
- Review your projected net profit, ROI, and maximum allowable offer instantly
Most experienced flippers target a minimum 15–20% net profit margin after all costs. The maximum allowable offer (MAO) helps you set your ceiling bid so you never overpay. If the numbers don’t work at your target margin, adjust your rehab budget or move on to the next deal.
Fix & Flip Calculator FAQs
What is a good ARV-to-cost ratio for a flip?
Many investors use the 70% rule as a starting benchmark: the total of your purchase price plus rehab budget should generally stay at or below 70% of the ARV, leaving room for selling costs and profit margin.
How is MAO different from purchase price?
Maximum allowable offer (MAO) is the highest price you can pay and still hit your target profit margin, based on your ARV and rehab budget. Your actual purchase price should stay at or below your MAO.
What financing works for a fix-and-flip deal?
Most flips are financed with short-term fix-and-flip loans or bridge loans, which are structured around the renovation timeline rather than long-term rental income. Investors who plan to hold the property as a rental after renovation often refinance into a DSCR loan once it’s stabilized and rented.