Fix and Flip Calculator
This calculator helps fix-and-flip investors evaluate deals with multiple analysis methods: a detailed budget for all-in cost and ROI, a quick 70% rule check, and a focused loan impact analysis. Use realistic inputs for purchase, repair, holding, and financing to produce actionable estimates.
Results are pre-tax estimates intended for deal screening and planning. They do not replace professional appraisal, lender underwriting, tax advice, or local code and safety compliance checks.
Full cost and return calculation including purchase, repairs, holding, closing, loan interest and points, contingency, and net sale to compute profit and investor ROI.
Inputs
Results
Profit (pre-tax)
$29,200.00
ROI
—
Total Project Cost
$196,400.00
Net Sale Proceeds
$225,600.00
| Output | Value | Unit |
|---|---|---|
| Profit (pre-tax) | $29,200.00 | USD |
| ROI | — | % |
| Total Project Cost | $196,400.00 | USD |
| Net Sale Proceeds | $225,600.00 | USD |
Visualization
Methodology
Calculations combine entered cost line items and standard financial formulas: net sale proceeds are modeled as ARV less selling costs percentage; loan interest during the holding period is prorated annually; points and origination fees are treated as upfront costs; contingency is applied as a percent of repair budget.
The 70% rule used here is the heuristic: Maximum Purchase = (ARV × 70%) − Estimated Repairs. This is a quick screening tool and does not include holding, closing, or financing costs, so further analysis is recommended before making offers.
Further resources
External guidance
Expert Q&A
Is the ROI shown pre-tax or after tax?
All outputs are pre-tax estimates. Taxes, depreciation recapture, capital gains treatment, and state/local tax rules are not applied. Consult a tax professional for after-tax calculations.
Does this calculator consider permitting, code issues, or unexpected structural problems?
No. Use the contingency field to model unexpected costs. For structural, environmental, or code issues, obtain inspections and separate professional estimates.
How accurate are loan interest estimates for different lender products?
Interest is prorated using the annual rate and holding time. Specific loan amortization, draw schedules, or interest-only products may change actual interest paid. Use the loan analysis method and consult lenders for exact terms.
What does the 70% rule mean and should I rely on it?
The 70% rule is a conservative screening heuristic. It excludes several real costs (holding, closing, financing). Use it for quick triage but always run the detailed budget before offers.
How should I handle zero or extreme inputs?
The calculator guards division-by-zero in key ratios. Enter realistic, positive values. Extreme inputs may produce misleading percentages; review assumptions and add contingency where uncertainty is high.
Sources & citations
- National Institute of Standards and Technology (NIST) - Risk Management Guidance — https://www.nist.gov
- International Organization for Standardization (ISO) - Financial Services and Risk Standards — https://www.iso.org
- IEEE - Standards and Best Practices for Software Quality — https://www.ieee.org
- Occupational Safety and Health Administration (OSHA) - Construction Safety — https://www.osha.gov