Calculator Documentation
Fix & Flip Calculator
Analyze fix-and-flip deals with profit projections, ROI, and the 70% rule
Schema version 2.0.0 · Category: investment
Inputs
Purchase & Rehab
| Field | Type | Default | Notes |
|---|---|---|---|
| Purchase Price | currency | $180,000 | |
| Rehab Cost | currency | $45,000 | |
| After Repair Value (ARV) | currency | $300,000 | After Repair Value - expected market value after renovations |
Financing
| Field | Type | Default | Notes |
|---|---|---|---|
| Loan-to-Value | percentage | 80.00% | Percentage of purchase price financed |
| Interest Rate | percentage | 12.00% | Annual interest rate (hard money rates typically 10-14%) |
| Loan Points | percentage | 2.00% | Origination points charged by lender |
Timeline & Holding
| Field | Type | Default | Notes |
|---|---|---|---|
| Holding Period (Months) | number | 6 | Expected months from purchase to sale |
| Monthly Holding Costs | currency | $1,500 | Monthly taxes, insurance, utilities, lawn care, etc. |
Transaction Costs
| Field | Type | Default | Notes |
|---|---|---|---|
| Buy Closing Costs % | percentage | 2.00% | Buyer closing costs as % of purchase price |
| Sell Closing Costs % | percentage | 6.00% | Seller closing costs including agent commission, title, transfer tax |
Adjustable Parameters
| Parameter | Default | Range | Purpose |
|---|---|---|---|
| Good Profit Threshold | 30000 | 10000 - 100000 |
Calculations
Every figure this calculator produces, in evaluation order. Formulas reference input ids, parameters, and earlier calculations.
loanAmountLoan amount based on LTV
purchasePrice * loanToValue
downPaymentCash down payment required
purchasePrice - loanAmount
loanPointsCostOrigination points cost
loanAmount * loanPoints
monthlyInterestMonthly interest payment
loanAmount * (interestRate / 12)
totalInterestTotal interest over holding period
monthlyInterest * holdingPeriodMonths
buyClosingCostsBuyer closing costs
purchasePrice * buyClosingPct
sellClosingCostsSeller closing costs
arv * sellClosingPct
totalHoldingCostsTotal holding costs over holding period
monthlyHoldingCosts * holdingPeriodMonths
totalInvestmentTotal project investment
purchasePrice + rehabCost + buyClosingCosts + loanPointsCost + totalInterest + totalHoldingCosts
totalCashNeededTotal out-of-pocket cash required
downPayment + rehabCost + buyClosingCosts + loanPointsCost + totalInterest + totalHoldingCosts
netSaleProceedsNet proceeds after selling costs
arv - sellClosingCosts
netProfitNet profit from the flip
netSaleProceeds - totalInvestment
roiReturn on investment as percentage
if(totalCashNeeded > 0, (netProfit / totalCashNeeded) * 100, 0)
annualizedROIAnnualized return on investment
if(holdingPeriodMonths > 0, roi * (12 / holdingPeriodMonths), 0)
profitMarginPctProfit margin as percentage of ARV
if(arv > 0, (netProfit / arv) * 100, 0)
maxOffer70Maximum offer price per the 70% rule
(arv * 0.70) - rehabCost
meetsSeventyRuleWhether deal passes the 70% rule
if(purchasePrice <= maxOffer70, 1, 0)
failsSeventyRuleInverted 70%-rule flag for the verdict (0 = pass, 1 = fail; recommendation thresholds are lower-is-better)
1 - meetsSeventyRule
overpayAmountAmount over the 70% rule max offer
purchasePrice - maxOffer70
breakEvenARVMinimum sale price to break even
totalInvestment + sellClosingCosts
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