Fix & Flip Calculator | USInvestorLending
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Home Calculators Fix & Flip
Fix & Flip Analyzer · 70% Rule · Free

Analyze any fix & flip
before you ever make an offer.

Enter your ARV, purchase price, rehab budget, and holding costs to see your net profit, ROI, annualized return, and whether the deal passes the 70% rule.

Net profit & ROI
Annualized return
70% rule check
Selling cost breakdown
Flip Deal Inputs
Adjust any field — results update live
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mo
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Flip Analysis
Updates as you type
Net Profit
$32,100
ROI: 15.8% · Annualized: 37.9%
ROI on Cash In
15.8%
Annualized ROI
37.9%
70% Rule Max
$141k
Total Cost Basis
$222,900
Sell Proceeds
$257,600
Cash In Deal
$203,500
Selling Costs
$22,400
Cost Breakdown
Profit vs. Total Cost
Strong flip. Net profit $32,100 with 15.8% ROI in 5 months.
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Fix & Flip Fundamentals

How to evaluate a fix & flip deal

Fix and flip investing comes down to one equation: ARV minus all costs equals profit. But most investors underestimate selling costs, holding costs, and rehab overruns. This calculator forces you to account for all of them before you make an offer.

The 70% Rule

The 70% rule says: don't pay more than 70% of ARV minus rehab costs. It's a quick filter, not an absolute rule — but it protects your margin when rehab goes over budget or the market softens before you sell.

  • Enter your ARV first — this drives everything else
  • The calculator shows your 70% rule maximum purchase price automatically
  • If your purchase price exceeds the 70% rule max, you need a higher ARV or lower rehab to make the deal work
  • Selling costs (agent commission + closing) typically run 7–9% of sale price — don't underestimate
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Questions

Common questions answered.

What is the 70% rule for fix and flip?
The 70% rule says your maximum purchase price should be 70% of ARV minus rehab costs. Example: $300k ARV, $60k rehab → max offer = ($300k × 0.70) − $60k = $150k. It leaves room for holding costs, selling costs, and profit.
What do fix and flip loans cover?
Fix and flip loans typically cover the purchase price plus a significant portion of rehab costs (often 100% of rehab). Rates run 10–13% interest-only. Terms are 6–18 months. We can fund your acquisition and rehab so you're not tying up all your own capital.
How long does a typical flip take?
Most flips take 4–8 months from purchase to sale. Rehab is usually 2–4 months, then 30–60 days on market, plus closing time. The longer you hold, the more holding costs eat into profit — which is why fast, accurate rehab estimates matter.
What's a good ROI for a flip?
Target 15–25%+ ROI on cash invested per deal. Annualized, that's 30–60% if you complete two flips per year. Below 10% ROI and you're taking on too much risk for the reward — especially if the market softens.
What do fix & flip loan programs typically look like?
Typical investor fix & flip programs run $150k–$1M+ loan sizes, finance up to 85% of the purchase price and up to 100% of construction costs (capped around 85% of total cost, with max after-repair LTV near 70%), on 12-month interest-only terms. Credit scores as low as 660 can qualify, any level of investor experience is considered, and term sheets are often issued in hours rather than days. These are a cleaner alternative to hard money for most flippers.

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