Fix-and-Flip Property Analyzer

Calculate profit, ROI, cash required, and monthly carrying costs for any house flip deal. Hard money loans, all-cash purchases, and BRRRR strategy supported.

⚠ All projections are estimates only. Actual results vary based on market conditions. This tool is for educational purposes — not financial advice.
📥 Deal Inputs
Purchase & Value
$
$
Rehabilitation
$
mos
Hard Money Loan
%
%
pts
$
Selling & Holding Costs
%
$
📊 Deal Results Good Deal
Projected Profit
$39,675
After all costs & loan payoff
Cash-on-Cash ROI
44.7%
on cash invested
Cash Needed at Close
$88,675
down + costs + fees
Hard Money Loan
$221,250
funded by lender
Total Monthly Cost
$3,713
interest + carrying/mo
ARV — Purchase Spread
$130,000
the "meat" of the deal

Full Cost Breakdown

Purchase Price$250,000
Rehab Cost$45,000
Loan Points (2%)$4,425
Additional Loan Fees$1,500
Holding Costs (6 mo)$9,000
Selling Costs (8%)$30,400
Total Project Cost$340,325
Annualized Return on Cash Invested
89.5%
Based on 6-month hold · estimates only
⚠ Disclaimer: All projections are estimates only. Actual results vary. This tool is for educational and informational purposes only — not financial or investment advice.
⚡ Deals Like Yours — Recommended Partners
🏡 BRRRR Deal Inputs
Purchase & Renovation
$
$
$
$
Refinance Loan
%
%
$
Holding & Operating
mos
$
🏡 BRRRR Results Capital Recycling
Total Cash Deployed
$227,200
Your total out-of-pocket investment
Refinance Proceeds
$210,000
cash-out from refi at close
Cash Recycled Back
$210,000
returned to fund next deal
Cash Left In Deal
$17,200
your permanent stake
Monthly Rental Income
$2,200
gross monthly rent
Capital Recycling Efficiency
92.4%
cash returned vs. cash deployed

BRRRR Cash Flow

Purchase Price$180,000
Rehab Cost$35,000
Holding Costs (6 mo)$7,200
Refi Closing Costs$5,000
Total Outlay$227,200
Refi Proceeds (75% ARV)$210,000
Net Cash Position($17,200)
⚠ Disclaimer: BRRRR projections are estimates. Actual refinance proceeds depend on appraisals, lender underwriting, and property condition. This is informational only — not financial advice.
⚡ BRRRR Deals Like Yours — Recommended Partners
🔧 Max Rehab Finder

Enter your deal basics and desired minimum profit target. We calculate the maximum rehab budget that still yields that profit at close.

Deal Basics
$
$
Loan Terms
%
%
pts
$
Costs & Timeline
%
$
mos
Profit Target
$
🔧 Max Rehab Analysis Calculated
Maximum Rehab Budget
$58,227
at which you still hit your profit target
Interpretation
If your actual rehab costs less than this budget, you beat your target profit.
ARV — Purchase
$130,000
gross spread available
Net After Costs
$30,000
your profit target in dollars

How We Calculate Max Rehab

After Repair Value (ARV)$380,000
Minus: Selling Costs (8%)$30,400
Minus: Holding Costs (6 mo)$9,000
Minus: Purchase Price$250,000
Minus: Target Profit$30,000
= Max Rehab Budget$58,227
⚠ Disclaimer: These projections are estimates only. Actual rehab costs vary. This tool is for educational purposes — not financial advice.
⚡ Max Rehab Analysis — Recommended Partners

💰 Fix-and-Flip Financing Partners

Recommended
Fix-and-flip loans from $100K–$3MM. Fast closes, no income verification, direct lender.
$200–$1,000 per closed loan · Active Partner
Get a Fix-and-Flip Loan Quote
Disclosure: This is an affiliate link. We may earn a referral fee ($200–$1,000) when you close a loan through Kiavi. This does not affect your loan terms. FixFlipAnalyzer.com is not affiliated with Kiavi and these results are estimates only — not financial advice. [nofollow sponsored]
Hard money loans nationwide. Fix-and-flip, bridge loans, and rental loans from established lenders.
$200–$1,500 per closed loan · Active Partner
Get a Hard Money Loan Quote
Disclosure: This is an affiliate link. We may earn a referral fee ($200–$1,500) when you close a loan through RCN Capital. This does not affect your loan terms. FixFlipAnalyzer.com is not affiliated with RCN Capital. Results are estimates only — not financial advice. [nofollow sponsored]
Automate rental property tracking, tax prep, and financial reporting for your fix-and-flip portfolio. Free to start.
20% recurring for 2 years · #1 Rated Property Management
Try Stessa Free →
Disclosure: This is an affiliate link. Stessa pays a 20% recurring commission for 2 years for new referrals. FixFlipAnalyzer.com is not affiliated with Stessa. [nofollow sponsored]
Tenant screening, background checks, and lease agreements for fix-and-flip investors renting their properties.
Up to $200/referral · Screening from $18
Get Tenant Screening →
Disclosure: This is an affiliate link. RentPrep pays up to $200 per qualified referral. FixFlipAnalyzer.com is not affiliated with RentPrep. [nofollow sponsored]
NEW
Fix-and-flip and bridge loans from $100K–$5MM. Direct lender with fast funding for real estate investors.
Variable referral fee · Direct lender
Get a Loan Quote
Disclosure: This is an affiliate link. Lima One Capital pays referral fees for loan referrals. FixFlipAnalyzer.com is not affiliated with Lima One Capital. [nofollow sponsored]
All-in-one platform for fix-and-flip investors: listing, tenant screening, leases, and rent collection in one place.
Free listing · All-in-one property management
List Your Property on Avail →
Disclosure: This is an affiliate link. Avail may pay referral fees for new property listings. FixFlipAnalyzer.com is not affiliated with Avail. [nofollow sponsored]
Private lender for DSCR loans, fix-and-flip loans, and slow flip loans. Instant quote and pre-approval available.
$250 credit · $250 cash per deal
Get a Loan Quote — OfferMarket
Disclosure: This is an affiliate link. OfferMarket pays referral fees for loan referrals. FixFlipAnalyzer.com is not affiliated with OfferMarket. [nofollow sponsored]
Track & project your fix-and-flip portfolio growth. Model scenarios, analyze performance, and plan exits.
20% recurring commission for 2 years · 50,000+ users
Try Free →
Disclosure: This is an affiliate link. ProjectionLab pays a 20% recurring commission for 2 years for new subscribers. FixFlipAnalyzer.com is not affiliated with ProjectionLab. [nofollow sponsored]
NEW
Landlord and fix-and-flip project insurance. Get insurance quotes for renovation properties in 90 seconds.
Commission per quote · Insurance for investors
Get Insurance Quote →
Disclosure: This is an affiliate link. Steadily pays referral commissions for insurance quotes. FixFlipAnalyzer.com is not affiliated with Steadily. [nofollow sponsored]
Financing Type Typical LTC Interest Rate Points Best For
All-Cash Purchase N/A $0 $0 Investors with available capital seeking fastest closes
Hard Money (Fix-and-Flip) 70–85% 10–14% 1–3 pts Short-term flips requiring fast funding
Kiavi Fix-and-Flip Up to 90% 10–13% 1–2 pts Fast closes, no income verification needed
RCN Capital Hard Money Up to 85% 11–15% 1–2 pts Experienced flippers seeking established lenders
BRRRR Refinance 70–75% ARV 6–8% $0–$5K Long-term rentals, capital recycling strategy

Frequently Asked Questions About Fix-and-Flip Investing

What is a fix-and-flip loan?
A fix-and-flip loan is a short-term financing product designed for real estate investors who purchase distressed properties, renovate them, and sell them for profit. These are typically hard money loans with higher interest rates than conventional mortgages but faster approval and funding — often closing in days rather than weeks.
How is ROI calculated on a house flip?
ROI on a fix-and-flip is calculated as your net profit divided by your total cash invested, expressed as a percentage. Net profit equals your sale price minus the purchase price, renovation costs, holding costs, loan interest and fees, and selling costs (agent commissions, closing costs). The annualized return adjusts this for the time the project took — a $50K profit over 6 months on $100K invested = 50% ROI / 0.5 years = 100% annualized return.
What is LTC (Loan-to-Cost) and why does it matter?
LTC stands for Loan-to-Cost ratio, used by hard money lenders to determine how much they will lend relative to the total project cost (purchase + rehab). If a lender offers 75% LTC and your total project cost is $300,000, they will fund $225,000. The remaining 25% ($75,000) must come from your own cash. Higher LTC = less cash needed from you.
What is a good ROI for a house flip?
A good ROI for a fix-and-flip depends on market conditions and your investment goals. As a rule of thumb: 15–30% cash-on-cash ROI on a per-deal basis is respectable, while 50%+ is considered excellent. The annualized return is more meaningful than raw ROI — a 20% ROI over 3 months annualizes to 80%+, which is very strong for real estate. Always account for all-in costs including points, fees, and carrying costs.
What are hard money loan points?
Points (also called origination fees) are upfront charges expressed as a percentage of the loan amount. One point equals 1% of the loan. If you borrow $200,000 and pay 2 points, that is a $4,000 upfront fee added to your loan costs. Points are different from interest — points are paid at closing while interest accrues monthly over the loan term. More points often mean a lower interest rate.
What is the difference between flipping and BRRRR?
House flipping means buying a property, renovating it, and selling it for a one-time profit. BRRRR (Buy, Rehab, Rent, Refinance, Repeat) is a strategy where you buy a distressed property, renovate it, rent it out, then refinance to pull out most or all of your original capital — letting you reuse the same cash to buy the next property. BRRRR builds long-term wealth through rental income and portfolio growth; flipping generates lump-sum profits. Both can be highly profitable with the right deals.
How much should I budget for holding costs?
Holding costs include mortgage interest, property taxes, insurance, utilities, and HOA fees while the property sits unoccupied during renovation and sale. As a rule of thumb, budget 1–2% of the property value per month for carrying costs in expensive markets, or $800–$2,500/month in typical markets. Unexpected delays (permit issues, contractor no-shows, weather) can dramatically increase holding costs — always add a 15–20% contingency buffer.

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