Free Investor Tool
Estimate the profit on a flip before you buy. Enter your purchase price, rehab budget, holding and selling costs, and the after-repair value (ARV) to see your projected net profit and ROI.
Estimate. Holding costs include loan interest, taxes, insurance, and utilities during the project. Excludes financing points; verify ARV with comps.
Net Profit = ARV − (Purchase + Rehab + Holding Costs + Selling Costs). The after-repair value (ARV) is what the finished home sells for — confirm it with real comparable sales, because it drives everything. Selling costs (agent commissions, closing, transfer tax) typically run 6–8% of ARV. Holding costs are the taxes, insurance, utilities, and — importantly — loan interest you pay while you own it, which is why a fast close and quick rehab protect your margin.
Most flippers fund purchase and rehab with a hard money loan that closes in days. Planning to keep it as a rental instead? Run the BRRRR calculator.
Many investors target a net profit around 10–20% of ARV, or a specific dollar minimum, to leave room for surprises. The exact target depends on your risk, market, and how long the project takes.
ARV is the after-repair value — what the home will sell for once renovated. It sets your maximum profit, so it must be based on real comparable sales, not optimism. A too-high ARV is the most common flip mistake.
Loan interest, property taxes, insurance, utilities, and any HOA during the hold period. On a hard money loan these add up quickly, so a faster rehab and sale directly improve profit.
Most flippers use hard money or private financing that funds in days and covers a large share of the purchase plus rehab, based on the ARV. Save Financial arranges fix-and-flip and hard money loans for California investors.
We arrange DSCR and hard money loans for California investors — no tax returns, close in an LLC. Free quote, no credit pull to start.