Fix & Flip Calculator
Size your fix and flip purchase loan instantly. See your loan amount, cash to close, and a printable preliminary estimate.
How This Calculator Works
Our mortgage paymant is designed to provide you with accurate and quick estimates, helping you make informed financial decisions. Here’s how it works:Input Your Details:
Enter the required information, such as loan amount, interest rate, and loan term, into the calculator fields
Instant Calculation:
The calculator processes your data in real-time, using advanced algorithms to provide precise results.
View Your Results:
Instantly see your estimated monthly payments, total interest, and repayment schedule.
Adjust and Compare:
Modify the inputs to explore different scenarios and find the loan option that works best for you.
Got Questions?
What is ARV (after-repair value) and why does it cap my loan?
ARV is the estimated value of the property once renovations are complete — not what you’re paying today. Because it’s an estimate, lenders cap the loan as a share of ARV (the calculator defaults to 70%) to build in a margin of safety if the renovation runs over budget or the resale market softens.
What's the difference between the initial advance and the rehab holdback?
Most fix-and-flip loans fund in two pieces: an initial advance at closing that covers the purchase and a share of costs, and a rehab holdback released in draws as renovation work is completed and verified. The calculator’s Funding Split shows both separately since they carry interest differently — compare “Initial advance payment” to “Fully loaded payment.”
Why does the calculator show two different loan caps?
Loan-to-cost (LTC) caps the loan as a share of your total project cost (purchase + rehab); loan-to-ARV caps it as a share of the finished value. Whichever cap is lower actually limits your loan — the calculator flags it when the ARV cap is the binding one, since that’s the scenario that can leave a cash gap to fund.
What happens if my rehab budget runs over?
Add a contingency percentage in the calculator — it’s added to your rehab budget before the loan caps are applied, so you can see upfront how a cost overrun would change your total project cost, loan amount, and cash to close.
Is the interest-only payment shown the actual amount I'll pay every month?
It’s a close estimate for planning, not a commitment. The calculator shows two versions — interest on just the funded amount at closing, and interest as if the full rehab holdback were drawn — your actual payment moves between the two as draws are released. Final numbers depend on property type, valuation, title, credit, experience, and underwriting.
