House Flip Profit Calculator

Run the numbers on a flip before you make an offer: profit, cash needed, ROI and the 70% rule.

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The deal

Holding & selling

Hard money loan

Net profit$33,6509.6% of ARV
Cash invested$116,350ROI 29% · annualized 58%
Max offer (70% rule)$200,000Your price is above it
All-in cost$316,350

Cost breakdown

Purchase$215,000
Rehab$45,000
Selling$28,000
Holding$9,000
Interest & points$12,900
Closing$6,450
  • The 70% rule is a quick filter: ARV × 70% − rehab. Rehab overruns are the most common risk; try +20%. Before taxes.

How it works

  1. Enter the after-repair value, purchase price and rehab budget.
  2. Add holding months, monthly holding cost and selling costs.
  3. Set your hard money loan terms.
  4. Read net profit, cash invested and maximum offer.

The 70% rule

A quick filter: pay no more than 70% of the after-repair value minus rehab. It leaves room for financing, holding and selling costs and for surprises.

Time is a cost

Every extra month adds interest and holding costs. Delays and rehab overruns are the most common reason flips lose money.

Frequently asked questions

Is the 70% rule always right?

No. It is a screen. In expensive markets deals sometimes work at higher percentages; in thin markets you may need less.

Are taxes included?

No. Profit is before income tax.

How do I estimate ARV?

Use recent sales of comparable renovated homes nearby, not asking prices.

Is my data saved?

Only in your browser.