Fix & Flip / Fix & Hold Calculator

Compare a sale versus refinance-and-rent exit with the same core project assumptions.

Compare the exit before you commit.

Switch between a sale and a refinance hold strategy while preserving the inputs for each path.

Property State *Property TypePurchase PriceRehab BudgetInclude contingencyARVHold Period (months)Leverage (Loan-to-Cost %)

85%

Loan amount = leverage × (purchase price + rehab budget).Interest Rate (%)

Exit Strategy

Above the 70% rule.

Net Profit

$39,140

Estimated Loan Amount

$263,500

Loan-to-Cost

85.00%

Cash to Close

$69,360

Purchase Advance: $212,500

Rehab Funded: $51,000

Purchase Closing Costs: $5,000

Origination Points: $5,270

Interest Carry: $10,115

Holding Costs: $2,475

Monthly Tax (assumption): $208

Monthly Insurance (assumption): $104

Total Project Cost: $332,860

All-in Loan-to-Cost (incl. fees & carry): 79.16%

Maximum Offer: $220,000

Selling Costs: $28,000

Net Sale: $372,000

Loan Payoff: $263,500

Cash Returned: $108,500

Return on Cash: 56.43%

Annualized Return: 112.86%

Profit Margin: 9.79%

Projected returns are estimates based on user-supplied assumptions and are not a projection of investment performance.

Estimates for informational purposes only, not a commitment to lend or an offer of credit. Actual terms are subject to underwriting, appraisal, and lender approval.