Enter data into the WHITE fields only — all shaded fields calculate automatically in real time.
Section 1
Purchase & Rehab Costs
After Repair Value (ARV)
Rehab Budget
Purchase Price (PP)
Hold TimeMonths
Selling Costs / Commissions% of ARV
Staging CostOptional — if selling
Section 2
Hard / Private Money Financing
Loan % of Purchase Price
Loan % of Rehab
Interest Rate (annual)
Loan Points
Draw Fee (per draw)
Section 3
Max Allowable Offer — Flip
Discount % of ARV
Discounted ARV
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Less: Rehab Budget
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MAX ALLOWABLE OFFER
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Section 4
Max Allowable Offer — Wholesale
Desired Wholesale Fee
MAO (Flip) as base
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Less: Wholesale Fee
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MAX ALLOWABLE OFFER
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Section 5
Cash Needed at Closing
Down PaymentCalculated from loan %
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Points= Points Cost from financing
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Lender Underwriting Fee
Appraisal Fee
Property Taxes (accrued)
Title Fees
Insurance (12 months)
TOTAL CASH AT CLOSING
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Section 6
Financing Results
Loan Amount — Purchase Price
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Loan Amount — Rehab
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Total Loan Amount
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Points Cost
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Monthly Payment (I/O)
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Selling Costs ($)
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Section 7
Key Metrics
All-In Cost
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Your Cash Needed
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Uplift in Value from Rehab
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Rehab : Uplift RatioHigher = better use of $
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Deal Profit (If Sold)
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Section 8
BRRR Investment & Cash Out Refinance
Bank Refinance LTV% of ARV
Refinance Closing Costs
Refinance Interest RateAnnual
Refinance Term (years)
Total Cash Needed
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Refinance Loan AmountARV × LTV
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Cash Out Amount
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Cash Remaining After Payoffs
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Section 9
Rental Cash Flow
Income
Total Market Rent (monthly)
Expenses — % of Rent
Vacancy %
Maint / Repairs / CapEx %
Property Management %% of collected rent
Property Tax (annual)
Insurance (annual)
Expenses — Monthly Fixed
Water & Sewer
Gas & Electric
Lawn & Snow
Trash
Other
Section 9 — Results
Rental Income & Cash Flow Summary
Line Item
Monthly
Annual
INCOME
Gross Market Rent
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Less: Vacancy
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OPERATING EXPENSES
Maint / Repairs / CapEx
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Property Management
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Property Tax
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Insurance
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Utilities & Other
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Total Operating Expenses
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NOI & CASH FLOW
Net Operating Income (NOI)
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Less: Mortgage Payment (P&I)
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Rental Cash Flow
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RETURN METRICS
CoC Return on Investment
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Cap Rate (NOI ÷ ARV)
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Section 10
Holding Cost Cash Needed
Expected # of Draws
Utilities / Landscape / Maint$ per Month
Total Draw Fees
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Total Utilities / Maint
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Monthly Payments
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TOTAL HOLDING COST
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You may be responsible for initial contractor funds. Having a contingency fund is strongly recommended.
Section 11
Contingency Fund
Rehab Contingency% of Rehab Budget
Holding Contingency% of Total Holding Cost
TOTAL CONTINGENCY
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Section 12
Gap Funder Profit Sharing
Gap Funder Profit %% of Deal Profit
Gap Funder Profit Share
Gap Funder ROI
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Developer Profit
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Enter your numbers to see the deal verdict
Fill in the white fields above to evaluate this deal across flip, wholesale, BRRR, and rental strategies.
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Deal Profit
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Cash Needed
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CoC Return
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MAO (Flip)