House Flipping Calculator

Plug in ARV, rehab budget, and financing.

Deal inputs

Purchase price

After repair value (ARV)

Rehab budget15% contingency added automatically

Hold periodrehab + days on market

Interest rate hard money, interest-only

Net profit

$47,300

Cash-on-cash

47.0%

Annualized

94.0%

70% Rule

A quick offer ceiling investors use as a sanity check: don't pay more than 70% of ARV minus rehab costs.

Fail

Max allowable offer $179,500

If it doesn't go to plan

Point estimates hide risk. Here's the same deal under pressure.

Base case

$47,300

Conservative

$17,932

Stress

-$13,905

Scenario	Profit	Verdict
Base case Your numbers as entered	$47,300	Profitable
Conservative ARV −5%, rehab +15%, +1 month	$17,932	Profitable
Stress ARV −10%, rehab +30%, +3 months	-$13,905	Loses money

Scenario

Profit

Verdict

Base case

Your numbers as entered

$47,300

Profitable

Conservative

ARV −5%, rehab +15%, +1 month

$17,932

Profitable

Stress

ARV −10%, rehab +30%, +3 months

-$13,905

Loses money

How to use this calculator

Start with your purchase price and an after-repair value pulled from recent comparable sales within a mile of the subject property. Rehab budgets are where most deals go wrong: contractors quote optimistically, and a 15% contingency is the minimum a disciplined operator carries. Financing here assumes interest-only hard money drawn progressively against the rehab schedule — which is how these loans actually work, not a full-balance loan accruing from day one.