Set your target profit or ROI. Enter your ARV. The calculator works backward to give you your Max Allowable Offer.
Enter your purchase price, hard money rate, down payment, origination fee, and points to model your exact loan cost.
Select every permit type your project needs. The calculator adds fees, tracks lead times, and flags architect requirements.
Enter costs and durations for each phase. The timeline auto-calculates based on your scope and permit lead times.
Input monthly holding costs — taxes, insurance, utilities, maintenance. These add up faster than most investors expect.
Full cost breakdown, net profit, ROI on cash invested, your MAO vs. the 70% rule, and a downloadable PDF report.
The highest price you can pay for a property and still hit your profit or ROI goal. This calculator gives you a goal-based MAO from your exact numbers AND the industry standard 70% Rule MAO — and recommends the lower of the two for safety.
What the property will be worth after all renovations are complete — based on comparable sold properties in the same neighborhood. This is the most important number in any flip. Juan runs a custom ARV algorithm from real Phoenix flip data — ask us to run it before you buy.
A quick heuristic: never pay more than 70% of ARV minus rehab costs. MAO = (ARV × 0.70) − Rehab. It's a rough floor, not a guarantee — this calculator replaces it with a precise model, but we always show both so you can compare.
Hard money loans close fast (days, not months) and are asset-based — but they carry higher interest rates (10–14%), origination fees (1–3%), and points. This calculator models all three. Jesus sources hard money loans across his lender network to get you the best rate before you commit.
Every month you own the property costs money: taxes, insurance, utilities, loan interest. A 6-month flip at $1,500/mo in holding costs is $9,000 gone before you sell. Most investors underestimate these. Enter every line item — the calculator shows total holding cost automatically.
RUN YOUR DEAL NUMBERS
Work through each step in order. Results update automatically — you'll see your MAO and profit on the final step. When you're done, download a PDF or send the report directly to our team.