House Flip Calculator

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Acquisition, rehab, financing and resale model

House Flip Calculator

Model the entire flip—from acquisition and rehab contingency through financing, carrying and disposition—and solve profit, cash ROI, break-even sale price and maximum offer.

Independent engineLive visualFocused U.S. calculatorLocal processing
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House Flip Calculator inputs

In the House Flip Calculator, this guidance applies to Purchase price ($), After-repair value ($), and Base rehab budget ($) and the reported Projected profit, Cash invested, and Cash ROI. The `house-flip` workflow evaluates Rehab Total = rehab × (1+contingency) in the stated canonical units; verify the stated assumptions, domain limits and any professional requirements that apply. Verification context: c80192.

Calculated report

House Flip Calculator results

Method, interpretation and limitations

How the house flip calculator works

The house flip calculator is designed for one specific search intent. Its formulas, controls, validation, outputs and explanation are tailored to that task rather than borrowed from another calculator.

Full project cost stack

A house flip calculator should not stop at purchase price plus repairs. This engine adds rehab contingency, buyer closing costs, loan points, estimated interest, monthly holding costs, selling closing costs and agent commission. Each percentage is exposed so the model can reflect a specific market and financing proposal.

Profit and return measures

Projected profit is based on net sale proceeds after selling costs minus project outflows. Cash invested accounts for the financed share of the purchase price, which allows a cash-on-cash ROI estimate. Annualized ROI is also displayed, but it can exaggerate a short project and should not be treated as a guaranteed investment return.

Maximum allowable offer

The house flip calculator reports a familiar 70% rule reference and a separate target-profit maximum offer derived from the entered cost assumptions. The 70% rule is only a screening shortcut; it does not know the local market, financing terms, taxes, buyer concessions, permitting risk or scope uncertainty. The detailed target calculation is the more transparent planning figure.

Stress-test the deal

Run lower ARV, higher rehab, longer holding and higher interest scenarios. Include permit, design, utility, staging, landscaping and transaction items in the rehab or monthly assumptions where appropriate. Obtain inspections, contractor bids, title review and financing terms before committing capital. Real estate investing can result in a loss.

Deal-analysis example

Start with a conservative after-repair value supported by comparable sales, add a line-item rehab estimate and contingency, and model a holding period longer than the optimistic schedule. The calculator will show how interest, points, monthly carrying cost and sale expenses consume the apparent spread. Compare the target-profit offer with the seller’s price before spending money on due diligence, but do not treat the output as an appraisal.

Common underwriting mistakes

Do not use the highest nearby listing as ARV without adjusting for condition, size and closed-sale evidence. Avoid counting sweat equity as free when it consumes time or delays the project. Financing interest may be based on draws rather than the simplified outstanding balance used here. Include contingency for concealed conditions and test a slower resale. A positive projected profit can disappear quickly when several optimistic assumptions move together.

House Flip Calculator questions

What is ARV?

After-repair value is the estimated sale value after the planned work is completed.

Does the calculator include loan payoff?

The model accounts for financed principal through project cash-flow logic and estimates interest and points separately.

Why is cash ROI different from project ROI?

Leverage reduces initial cash invested but adds financing cost and risk.

Is the 70% rule a purchase recommendation?

No. It is shown only as a rough benchmark.

House Flip Calculator: formula-based step-by-step solution

This House Flip Calculator worked derivation uses the published default state. Its live formula panel replaces these values whenever an input, unit, mode, date, material, or scenario changes.

Governing formula or algorithm — exact production relationships:
  1. Rehab Total = rehab × (1+contingency)
  2. Loan = purchase × loanPct
  3. Cash Purchase = purchase-loan
  4. Finance = loan × points+loan × interest × months ÷ 12
  5. Buy Costs = purchase × buyClose
  6. Holding = monthly × months
  7. Sale Costs = arv × (sellClose+agent)
  8. Total Cash Out = cashPurchase+rehabTotal+finance+buyCosts+holding
  9. Sale Cash = arv-saleCosts-loan
  10. Profit = saleCash-totalCashOut
  11. Roi = invested?profit ÷ invested:0

1. Governing formulas and numeric substitution

  1. Formula 1: Rehab Total = rehab × (1+contingency)
    Default-value substitution: Rehab Total = (48000) × (1+(12))
    Intermediate evaluation: 624000
  2. Formula 2: Loan = purchase × loanPct
    Default-value substitution: Loan = (165000) × (80)
    Intermediate evaluation: 13200000
  3. Formula 3: Cash Purchase = purchase-loan
    Default-value substitution: Cash Purchase = (165000)-(13200000)
    Intermediate evaluation: -13035000
  4. Formula 4: Finance = loan × points+loan × interest × months ÷ 12
    Default-value substitution: Finance = (13200000) × (2)+(13200000) × (11) × (6) ÷ 12
    Intermediate evaluation: 99000000
  5. Formula 5: Buy Costs = purchase × buyClose
    Default-value substitution: Buy Costs = (165000) × (2)
    Intermediate evaluation: 330000
  6. Formula 6: Holding = monthly × months
    Default-value substitution: Holding = (1200) × (6)
    Intermediate evaluation: 7200
  7. Formula 7: Sale Costs = arv × (sellClose+agent)
    Default-value substitution: Sale Costs = (295000) × ((2)+(6))
    Intermediate evaluation: 2360000
  8. Formula 8: Total Cash Out = cashPurchase+rehabTotal+finance+buyCosts+holding
    Default-value substitution: Total Cash Out = cashPurchase+rehabTotal+(99000000)+buyCosts+(7200)
  9. Formula 9: Sale Cash = arv-saleCosts-loan
    Default-value substitution: Sale Cash = (295000)-saleCosts-(13200000)
  10. Formula 10: Profit = saleCash-totalCashOut
    Default-value substitution: Profit = saleCash-totalCashOut | current data: Purchase price ($)=165000 $; After-repair value ($)=295000 $; Base rehab budget ($)=48000 $; Rehab contingency (%)=12 %; Holding period (months)=6 months; Financed purchase share (%)=80 %; Annual interest rate (%)=11 %; Loan points (%)=2 %
  11. Formula 11: Roi = invested?profit ÷ invested:0
    Default-value substitution: Roi = invested?profit ÷ invested:0 | current data: Purchase price ($)=165000 $; After-repair value ($)=295000 $; Base rehab budget ($)=48000 $; Rehab contingency (%)=12 %; Holding period (months)=6 months; Financed purchase share (%)=80 %; Annual interest rate (%)=11 %; Loan points (%)=2 %

2. Variables and measurement units used

  1. Purchase price ($) = 165000 $
  2. After-repair value ($) = 295000 $
  3. Base rehab budget ($) = 48000 $
  4. Rehab contingency (%) = 12 %
  5. Holding period (months) = 6 months
  6. Financed purchase share (%) = 80 %
  7. Annual interest rate (%) = 11 %
  8. Loan points (%) = 2 %
  9. Buy closing costs (%) = 2 %
  10. Sell closing costs (%) = 2 %
  11. Sales commission (%) = 6 %
  12. Monthly taxes, utilities, insurance ($) = 1200 $
  13. Target profit ($) = 35000 $

3. House Flip Calculator final evaluation: this calculator’s production engine evaluates the substituted relationship with unrounded internal precision; its subject-specific result cards, table, and visual report the rounded final answer and verification quantities.

Formula-based calculator guide

House Flip Calculator: formula, steps, units and verification

house flip calculator is designed for a transparent calculation rather than a black-box answer. House Flip Calculator: model a house flip with purchase, rehab contingency, financing, points, closing, carrying and sale costs, then calculate profit, ROI.

How to use the house flip calculator in 5 steps

  1. Choose the required mode. Select the calculation path that matches the quantity you know and the result you need.
  2. Enter source values. Use measured, documented or assignment values rather than rounded estimates whenever possible.
  3. Confirm every unit. The house flip calculator converts supported units before formula substitution, so each selector must describe the entered number.
  4. Run the calculation. Review the displayed formula, normalized values and numeric substitution before accepting the final result.
  5. Verify the answer. Reproduce the substitution manually and check whether the output is reasonable for the stated assumptions.

House Flip Calculator formula and unit checks

The house flip calculator keeps source inputs, canonical calculation units and displayed output units separate. This prevents a correct formula from producing a wrong answer because feet were treated as meters, percentages as decimals, or time values as the wrong interval.

For an independent check, copy the formula shown by the calculator, substitute the unrounded canonical values, preserve full precision through intermediate operations and round only the final result. The verified answer should match both the displayed number and its measurement unit.

How to interpret the house flip calculator result

A result is useful only when its assumptions match the real problem. Compare the answer with expected ranges, inspect any warning or boundary message, and test a nearby input to confirm that the output changes in the direction predicted by the governing relationship.

The house flip calculator provides an educational and planning result. For regulated, medical, structural, financial, laboratory or safety-critical decisions, verify the inputs and method against the applicable professional requirements before acting.

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House Flip Calculator quick verification checklist

Before saving or reporting a result from the house flip calculator, confirm the input source, unit selections, formula mode, intermediate substitution, final unit and rounding rule. These checks make the calculation reproducible and easier to audit.

Browse the complete published calculator sitemap or return to the Salar Cafe home page.

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