MBReviewed by Mike Basti, Mortgage Broker & Founder · NMLS #377740
How it works
The loan is the lesser of (a) your LTC — % of purchase + % of rehab — and (b) the ARV cap — % of after-repair value. The calculator funds the lower one, then estimates your cash in, carry, and profit, and checks the 70% rule. See Requirements.
Fix & Flip Deal Calculator
Illustrative only — not a loan offer. Adjust caps to match your lender.
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pts
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Estimated Net Profit
$0
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Loan by LTC (purchase + rehab)$0
Loan by ARV cap$0
Max loan (lesser of the two)$0
Cash to close (down + points + costs)$0
Points cost$0
Interest carry (IO, over hold)$0
Selling costs$0
70% rule — max purchase$0
Expert tip: Watch which cap binds. If your ARV-cap loan comes in below your LTC loan, the finished-value ceiling is your real constraint — and every dollar you've overestimated the ARV is a dollar of cash you'll have to bring at closing that you didn't plan for. That's the #1 way first flips blow their budget. Enter a conservative, comp-supported ARV and a 15–20% rehab contingency, and if the deal still shows profit and passes the 70% rule, you have a genuinely strong project. We'll confirm the ARV against real comps before you commit. Validate my ARV →
What each result means
- Loan by LTC — % of purchase + % of rehab you can finance.
- Loan by ARV cap — the ceiling: % of after-repair value.
- Max loan — the lesser of the two. This is what you actually get.
- Cash to close — down payment + points + costs you bring.
- Interest carry — interest-only payments across your hold.
- Net profit — ARV − all-in costs (purchase, rehab, points, carry, selling).
- 70% rule — max purchase = ARV × 0.70 − rehab.
Reviewed by the licensing team at Save Financial, a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766) founded in 2009 and serving all 58 counties from offices in Newport Beach and Marina del Rey.