Acquisition and rehab
Buying costs use the entered percentage of purchase price. Rehab is treated as investor cash in this model, separate from the purchase loan.
Renovation and resale
House Flipping Calculator
Bring the acquisition, rehab, financing, carrying, and sale assumptions into one all-in view of estimated profit and return on invested cash.
Decision question
What may remain after every modeled project cost?
This calculator provides estimates for planning and comparison, not financial, tax, investment, or lending advice.
All-in project view
Profit starts with the sale price and accounts for the full modeled project
Purchase and rehab are only part of the basis. Interest during the hold, property-level carrying costs, acquisition costs, and sale costs can materially change the exit.
Estimated project profit
Profit = ARV − purchase − rehab − buying − financing − holding − selling costs
ROI = estimated profit ÷ total cash invested × 100. Cash invested uses the down payment rather than the full purchase price because the remaining acquisition amount is modeled as debt.
Time and financing
Interest is estimated on the original loan for the full holding period. Taxes and insurance are prorated, while utilities and other holding costs accumulate monthly.
Sale and investor return
Selling closing costs and commission use ARV. Net sale proceeds repay the purchase loan; profit then measures what remains after all modeled costs.
Separate the detailed result from the 70% rule
The maximum allowable offer readout is only the fixed 70%-rule reference. It does not use the entered financing, holding, buying, or selling costs and does not represent a recommended offer. Use the all-in profit and cash-invested rows to evaluate the entered scenario.
Questions
About the House Flipping Calculator
Estimated profit subtracts purchase price, rehab, buying costs, financing cost, holding costs, and selling costs from the entered after-repair value. Costs that are not entered or modeled are not included.
It treats the purchase loan as interest-only during the holding period. Financing cost equals the loan amount multiplied by the annual interest rate and the holding period in years. The loan principal is repaid from the modeled sale proceeds.
ROI equals estimated profit divided by total cash invested, multiplied by 100. Cash invested includes the down payment, rehab, buying costs, financing cost, and holding costs. ROI is unavailable when that total is zero.
The entered after-repair value is used as the modeled sale price and as the base for percentage selling costs and commission. A lower actual sale price would reduce the result.
The 70% rule estimates a reference offer as ARV multiplied by 70%, minus rehab costs. It is a quick screening heuristic, not a universal offer limit or a substitute for the detailed cost and profit calculation.
The model does not predict inspection findings, change orders, resale delays, financing points, income taxes, or market movement. Add costs to the available input categories and compare more conservative scenarios where appropriate.