CALCULATORS
Fix & Flip Calculator
Acquisition, rehab, holding and selling costs against the resale number.
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Equity Needed
$120,900
Net Profit
$22,519
Loan Amount$255,000
Down Payment$45,000
Monthly Interest$2,231
Total Interest Over Term$20,081
Origination Fee$5,100
Other Closing Costs$10,800
Cost to Sell$27,000
Total Cash in Deal$145,481
Carrying Costs$24,581
Loan-to-ARV56.7%
Return on Investment15.5%
What this calculation assumes
- Interest is charged on the full loan amount for the whole hold, which is how most bridge lenders draw it.
- The renovation budget is treated as cash from you rather than drawn from the loan.
- Cost to sell covers agent commission and seller-side closing costs at the percentage you set.
- Nothing here allows for overruns, permit delays or a soft resale market — the three things that actually eat a flip.
Every rate, fee and premium on this page is illustrative and set by you, not quoted by us. Nothing here is an offer of credit or a commitment to lend.
Every input you change is written into the address of this page, so the link you copy reopens the calculator exactly as you left it.
What kills a flip margin?
Usually holding time and the selling side. Every extra month adds interest, taxes and utilities, and agent commission plus closing costs commonly take six to eight per cent off the sale price before you see anything.
More guides in the learning centerNumbers are a starting point.
Bring yours to a loan officer and we will tell you which parts hold up and which ones move.
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