1. Purchase & Acquisition

After Repair Value (ARV) ($)


Purchase Price ($)


Buyer Agent Commission on Purchase (%)


Purchase Closing Costs ($)
(title, escrow, attorney, lender fees at purchase)


Appraisal ($)


Inspection ($)


Additional Due Diligence / Misc. ($)

2. Rehab & Reserves

Rehab Budget ($)


Rehab Contingency (%)
(extra cushion on top of rehab, e.g. 10%)


Project Reserves ($)
(extra cash held for surprises)

3. Holding & Financing

Holding Period (months)


Monthly Taxes ($)


Monthly Insurance ($)


Monthly Utilities ($)


Monthly HOA ($)


Loan Amount ($)
(total loan across purchase + rehab)


Interest Rate (% per year)


Points on Loan (%)
(1 point = 1% of loan amount)


Additional Lender Fees ($)

4. Exit & Selling Costs

Listing Agent Commission (%)


Buyer Agent Commission on Sale (%)


Seller Closing Costs (% of sale price)
(title, escrow, transfer tax, concessions, etc.)

1. Property & Rental Income

Purchase Price ($)


Monthly Rent ($)


Other Monthly Income ($)
(parking, pet fees, RUBS, etc.)

2. Operating Expenses

Monthly Taxes ($)


Monthly Insurance ($)


Monthly HOA / Condo Fees ($)


Monthly Management (% of rent)


Maintenance & Reserves (% of rent)

3. Loan Terms

Loan Amount ($)


Interest Rate (% per year)


Amortization (years)
(e.g. 30 for most DSCR loans)


Target DSCR (for lender approval)
(e.g. 1.20 or 1.25)

1. Purchase & Rehab

Purchase Price ($)


Rehab Budget ($)


Purchase Closing Costs ($)


Holding / Carry Costs During Rehab ($)
(taxes, interest, utilities during rehab)

2. ARV & Refinance

After Repair Value (ARV) ($)


Refinance LTV (% of ARV)
(e.g. 75%)


Refi Loan Rate (% per year)


Refi Amortization (years)


Refi Closing Costs ($)

3. Rent & Operating Expenses

Monthly Rent ($)


Other Monthly Income ($)


Monthly Taxes ($)


Monthly Insurance ($)


Monthly HOA / Fees ($)


Vacancy (% of rent)


Maintenance / CapEx (% of rent)


Management (% of rent)

Loan Inputs

Loan Amount ($)


Interest Rate (% per year)


Points (% of loan amount)


Loan Term (months)


Other Lender Fees ($)

How This Works

This assumes an interest-only hard money loan.

Monthly Payment = Loan Amount × (Rate / 12)

Total Interest = Monthly Payment × Term (months)

Points = Loan Amount × Points %

1. Purchase & Loan

Purchase Price ($)


Down Payment (%)
(e.g. 20%)


Closing Costs ($)


Initial Repairs / Make-Ready ($)


Interest Rate (% per year)


Amortization (years)

2. Rent & Expenses

Monthly Rent ($)


Other Monthly Income ($)


Monthly Taxes ($)


Monthly Insurance ($)


Monthly HOA / Fees ($)


Vacancy (% of rent)


Maintenance / CapEx (% of rent)


Management (% of rent)

Inputs

After Repair Value (ARV) ($)


Estimated Repair Cost ($)


Buying + Selling + Holding Costs (% of ARV)
(commissions, closing, holding; default 20%)


Desired Profit (% of ARV)
(typical 10–15%)

How This Works

MAO = ARV – Repairs – (ARV × Costs %) – (ARV × Profit %)

This gives you a quick “do not exceed” offer price. You can still negotiate below this for better deals.

Use this as a fast screening tool before sending the deal into the full Fix & Flip Analyzer.