What is a fix and flip loan calculator?

A fix and flip loan calculator models purchase price, rehab budget, hard money LTC/leverage, interest-only carry during hold, and sale costs against ARV to estimate net profit and cash-on-cash return before you apply for bridge financing.

What is a good profit on a fix and flip?

Experienced sponsors often target $20K–$40K net on sub-$300K ARV deals in Midwest and Southeast markets after 8% sale costs and hard money carry. Thin spreads under $12K may warrant a BRRRR hold instead.

What costs does this calculator include?

Purchase, rehab, estimated cash to close, interest-only hard money carry, insurance/utilities during hold, and sale costs as a percent of ARV. It does not include unexpected change orders or extended DOM beyond your hold input.

How does LTC affect flip profit?

Higher loan-to-cost reduces cash in but increases interest carry. At 11% IO, each extra month on a $200K balance costs roughly $1,833 — model hold time honestly.

When should I pivot from flip to BRRRR?

When net flip profit falls below your minimum spread but stabilized rent supports DSCR at 70%–75% LTV. Use our DSCR calculator on the projected rent after rehab.

Fix and Flip Loan Calculator — Profit & LTC Estimator

This fix and flip loan calculator estimates net profit on a residential flip: purchase + rehab + hard money carry + sale costs against your projected after-repair value (ARV). Model LTC (loan-to-cost) to see how leverage changes cash in versus interest carry. Pair results with our DSCR calculator if the deal pivots to a hold.

Fix and flip profit calculator

Estimate net spread on a flip — purchase, rehab, hard money carry, and resale costs. Educational only.

Acquisition & rehab Purchase price ($) Rehab budget ($) After-repair value / ARV ($) Hard money LTC (% of purchase + rehab)

Carry & exit Interest rate (% annual, IO) Hold period (months) Sale costs (% of ARV — agent, title, transfer) Monthly insurance + utilities ($)

All-in cost

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Net profit

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ROI on cash

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Spread verdict

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Download your fix-and-flip proforma

Net profit and ROI summaries are free. Submit your email for a line-item carry worksheet and PDF proforma.

Click after submitting the form above. Your detailed schedule will appear on this page.

How to use this fix and flip loan calculator

Enter purchase price, rehab budget, ARV, LTC %, interest rate, and hold months. The calculator outputs estimated hard money loan amount, cash to close, interest carry, and net profit after sale costs.

ARV first — use three conservative comps; overstated ARV breaks every downstream line
LTC sensitivity — run 85%, 90%, and 100% scenarios; higher leverage raises carry
Hold time — add 30–60 days buffer for permits and DOM in your market
Sale costs — 7%–9% of ARV is typical (agent, title, transfer, staging)
Exit compare — if net profit < $15K, run the same inputs on the DSCR calculator for BRRRR hold math

Fix and flip loan calculator formula

Loan amount ≈ LTC × (purchase + rehab) · Monthly IO carry ≈ balance × rate ÷ 12 · Net profit ≈ ARV − sale costs − loan payoff − cash invested − total carry

How LTC and hard money carry affect flip profit

Loan-to-cost (LTC) determines how much cash you bring versus how much interest you pay during hold. At 11% interest-only, each extra month on a $200K balance costs roughly $1,833 — a 7-month hold vs 5-month plan erases $3,666 of net profit before sale costs.

Jaken Finance Group offers up to 90% LTC on qualified fix-and-flip files — including select 100% financing scenarios for experienced sponsors. See Fayetteville 100% financing case study.

When to pivot from flip to BRRRR

When net flip profit falls below your minimum spread but stabilized rent supports DSCR at 70%–75% LTV, model the hold exit with our DSCR calculator. Thin flip spreads under $12K often warrant BRRRR on Indiana and Illinois duplex stock.

Fix and flip profit formula

Net profit ≈ ARV − sale costs − loan payoff − cash invested − carry

All-in project cost — purchase + rehab
Hard money loan — typically 85%–90% LTC interest-only
Carry — monthly IO + insurance, utilities, taxes during hold
Sale costs — often 7%–9% of ARV (agent, title, transfer, staging)

Worked example: Indianapolis ranch flip

Line item	Amount
Purchase	$148,000
Rehab	$41,000
Hard money 90% LTC @ 10.5% IO, 4.5 mo	~$6,900 carry
ARV sale	$232,000
Sale costs 8%	−$18,560
Net profit (approx.)	~$26,500

Metro context: Indianapolis hard money · Fountain Square funded BRRRR · Fix and flip loans Indiana

State fix-and-flip programs

Fix and flip Chicago single-family · Fayetteville NC
Indiana · Florida
North Carolina · Georgia
South Carolina
Washington DC

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Pre-qualify for fix and flip financing · (833) 264-7776

Calculator outputs are educational estimates only. Rates, terms and conditions offered only to qualified borrowers and are subject to change without notice. Jaken Finance Group only finances non-owner occupied investment properties.