Calculators

Fix-and-Flip Calculator

Max loan, cash to close, projected profit, ROI, and ARV sensitivity on a residential flip. Network-typical leverage ceilings: 85% LTC, 70% LTARV.

Projected profit · after sale + financing

$41,402

ROI on cash invested: 108%

Max loan$208,250
↳ Bound byLTC ceiling
LTC cap (85%)$208,250
LTARV cap (70%)$227,500
Cash to close$38,165
↳ Origination fee$4,165
↳ Closing costs (2%)$4,000
Holding interest$10,933

ARV sensitivity · what if appraisal lands lower

ARV −5%

$26,127

ARV −10%

$11,106

ARV −15%

-$3,345

Break-even ARV (profit = 0): $280,955

Demo math · LTC 85% / LTARV 70% / closing 2.0% / sale 6% are network typicals · not a quote

How the leverage caps bind

A fix-and-flip loan is bounded by two ceilings at the same time. The binding one is whichever caps the loan lower.

  • LTC cap (85% typical) — loan cannot exceed 85% of (purchase + rehab). The other 15% is borrower equity going in. Some specialist repeat-borrower programs run higher.
  • LTARV cap (70% typical) — loan cannot exceed 70% of After Repair Value, regardless of LTC. ARV pull-back at appraisal is the most common reason this cap binds and the cash-to-close goes up mid-process.

The calculator flags which ceiling binds at the current inputs. When ARV drops at appraisal, watch the LTARV cap — that's where the file's leverage compresses.

See also: LTC · LTARV · ARV · What kills the file after Clear to Close