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Fix and flip loan calculator
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A fix and flip loan is usually capped by the lowest of three limits: a percentage of the purchase price plus the rehab budget, a percentage of total cost (LTC) and a percentage of the after-repair value (ARV). Enter your deal to see which limit applies, the cash you’ll need and your estimated profit.
| Max loan | $279,000 |
| Limited by | Max LTC |
| Loan-to-cost | 90% |
| Loan-to-ARV | 66.4% |
| Cash to close (down payment, points, fees, ~$3,000 title) | $41,575 |
| Interest (on funds drawn, avg.) | $13,695 |
| Points + lender fees | $7,575 |
| Selling costs | $29,400 |
| Estimated profit | $59,330 |
| Return on cash invested | 107.3% |
Interest assumes the rehab budget is drawn evenly, so on average half of it is outstanding (non-Dutch). Lenders with Dutch interest charge on the full loan from day one; see the Dutch interest calculator.
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Enter your deal once and compare every lender whose rules fit it, side by side: loan amount, rate, points, fees and total cost.
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- Takes about 2 minutes
Estimates for business-purpose investors, not a loan offer. Lenders set final terms after underwriting.