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Hard Money Fix & Flip Calculator

Estimate funding, points, carrying costs, and projected profit for a flip.

For fast closes and rehab projects with interest-only payments.

Points + interestMax LTV to ARVProfit & ROI estimate

Calculator Inputs

Adjust the scenario to fit your deal.

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months
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Results

Loan amount (capped by ARV)

$280,000

Cash needed upfront

$40,600

Equity + points + closing

Projected profit

$17,800

ROI: 43.8%

Funding & costs

Total project cost
$310,000
Interest-only carry
$33,600
12 mo at 12.00%
Points
$5,600
2.00% of loan
Closing costs
$5,000
2.00% of purchase

Exit scenario

After-repair value
$400,000
Selling costs
$28,000
7.00% of ARV
Equity invested
$30,000
Projected ROI
43.8%

Assumes interest-only payments and that rehab is funded inside the total loan amount cap.

⚠️ Important Disclaimer

This is a self-generated calculator result and provides estimates only. Results may vary based on individual circumstances, market conditions, and lender requirements. For accurate financial advice and loan qualification, please consult with a licensed real estate agent or mortgage professional.

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