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. Full walkthrough: how to use the fix and flip calculator.

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 calculator — ARV first, LTC scenarios, sale-cost defaults, and a stress-tested Indianapolis walkthrough.

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

Compare lenders & programs

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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.

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