Fix and Flip Calculator: Profit, ROI and the 70% Rule
Free Calculator · Fix & Flip Investors
Model a flip end to end before you make an offer: financing, points, holding and selling costs, net profit, cash-on-cash ROI and the 70% rule. Then have a V Nation loan officer check the numbers and quote the financing.
How this calculator works
Loan amount = purchase price × purchase % financed + rehab budget × rehab % financed.
Interest = loan amount × rate ÷ 12 × months held, assuming the rehab funds are fully drawn (a conservative estimate).
Total cost = purchase + rehab + interest + points + holding costs + selling costs + 1.5% buyer closing costs.
Net profit = after-repair value (ARV) − total cost.
Cash-on-cash ROI = net profit ÷ cash you put in. Annualized ROI scales that to 12 months.
70% rule max offer = ARV × 70% − rehab budget.
Fix and flip questions
What is the 70% rule in house flipping?
The 70% rule says to pay no more than 70% of the after-repair value minus the rehab budget. On a home worth $750,000 after repairs with a $90,000 rehab, the maximum offer is $435,000. It's a quick screen that leaves room for costs and profit, not a guarantee.
What costs do flippers forget?
Holding costs (taxes, insurance, utilities) for every month you own the home, interest and points on the loan, buyer closing costs, and selling costs such as commissions and seller credits, often around 6% of the sale price.
How is ROI on a flip calculated?
Cash-on-cash ROI is net profit divided by the cash you actually invested (down payment, the unfunded part of the rehab, points, closing, holding and interest). A flip that returns 50% in 6 months is roughly a 100% annualized return.
Can V Nation finance the purchase and the rehab?
Yes. V Nation provides fix-and-flip and bridge financing across California, sized on the property and your exit plan, with in-house approvals typically in 24–48 hours. All loans are subject to underwriting and approval.
Found a deal?
Get flip financing from a direct California lender.
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