Fix And Flip Calculator

How to Use This Fix and Flip Loan Calculator

This calculator was built to help you run a full pencil test and make smarter investment decisions before you commit to a project. Here’s a step-by-step walkthrough to get the most accurate results:

1. Start with the basics.
Enter the purchase price, your estimated renovation or construction costs, and the after repair value (ARV), this is the price you expect to sell the property for once renovations are complete.

2. Use the sliders to fine tune your numbers.
Each adjustable input has a barline slider, simply drag the circle left or right to set your number. The value you’re selecting will display on the right side of the barline, so make sure it matches your intended figures.

3. Input your loan and deal terms.
Now go through each slider and enter:

• Your down payment
• The interest rate on your loan
• The loan origination fee (points)
• Your estimated turnaround time (how long the flip will take from purchase to resale)
• Estimated closing costs, such as title, escrow, and loan processing or underwriting fees
• Transfer tax percentage (a quick Google search for your state’s transfer tax rate will help)

4. Add your monthly holding costs.
Input the estimated monthly homeowner’s insurance and monthly property taxes. If you’re unsure, your title company, real estate agent, or county tax assessor’s website can help you find accurate figures.

5. Finish with your selling costs.
Enter the realtor commission, typically between 4 and 6 percent of the sale price.

Real-Time Results at Your Fingertips

Every time you adjust a number, the results update instantly. No need to click “calculate”, your figures are displayed automatically. Once your inputs are complete, the calculator will show:

• Net Profit
• Cash Invested
• Return on Investment (ROI)
• Monthly Loan Payment
• Total Closing Costs
• Loan Interest
• Property Taxes
• Loan Amount
• Realtor Fee
• Down Payment
• Insurance

Use this tool to run multiple what-if scenarios and dial in the numbers before you make a move. Smart investors run the math first, this tool makes that fast and easy.

Fix & Flip Loan Calculator for Real Estate Investors

Our Fix & Flip Loan Calculator was built for real estate investors who want to take the guesswork out of deal analysis. Whether you’re flipping your first property or your fiftieth, knowing your numbers is everything. This tool goes beyond surface-level math—it helps you estimate profit, ROI, loan costs, holding expenses, and your true cash invested.

For a quick snapshot of monthly loan payments, be sure to use our Hard Money Loan Calculator as a companion tool. If you’re analyzing a long-term rental property instead of a flip, try our DSCR Loan Calculator to measure debt service coverage and cash flow. Each tool is designed to help you underwrite your investments with speed, accuracy, and confidence.

What to Know Before Getting a Fix-and-Flip Loan

A typical fix and flip loan comes with a 12 month term, which is just the right amount of time to buy it, fix it, and flip it, assuming you know your numbers going in. Interest rates generally land between 8.99 and 11.99 percent, with 1 to 2 points charged upfront depending on the complexity and risk of the deal. While some lenders still operate like it’s 2008, at Deal Street Capital we’ve built a better model, offering low cost fix and flip financing without the headaches, hidden fees, or bloated pricing.

This fix and flip calculator is your shortcut to clarity. Use it to dial in your budget, measure your profit, and understand your true cash investment before you ever swing a hammer. If your strategy includes keeping the property as a rental, use our DSCR loan calculator to analyze the cash flow and long term loan structure. Whether you’re flipping, refinancing, or scaling your portfolio, we’ve got the tools—and the funding—to back you up. Explore our fix and flip loans, DSCR loans, and other loans for investors built to move at your speed.