Fix & Flip Loan Calculator
Property Details
Timeline
Loan Details
Holding Costs
Transaction Costs
Financing Summary
Maximum Loan Amount
$240,000
Loan-to-Purchase
80%
Loan-to-ARV
64%
Maximum Offer Price
$235,000
Based on 80% LTV
Project Costs
Purchase Price
$250,000
Renovation Cost
$50,000
Purchase Closing Costs
$3,750
Loan Origination Fee
$5,000
Underwriting Fees
$1,500
Holding Costs
$3,250
Interest Payments
$8,500
Staging Costs
$2,500
Sale Closing Costs
$22,500
Total Project Cost
$347,000
Profitability Analysis
Project Profit
$28,000
Sale Price (ARV)
$375,000
Total Project Cost
$347,000
Return Metrics
ROI (Leveraged)
37.3%
ROI (Unleveraged)
11.2%
Gross Margin
7.5%
Profit Per Month
$5,600
Summary
Based on your inputs, this fix and flip project is projected to generate a profit of $28,000 over a 5-month period, with a leveraged ROI of 37.3%. The maximum loan amount available would be $240,000 based on 80% of purchase price and 64% of ARV.
DSCR (Debt Service Coverage Ratio) Calculator
Property Information
Monthly Expenses
Monthly
Annual
Monthly
Annual
Loan Details
DSCR Analysis
Debt Service Coverage Ratio
1.25
Income to debt service ratio
Monthly Rental Income
$2,500
Total Monthly Expenses
$550
Net Operating Income (NOI)
$1,950
Monthly Loan Payment (P&I)
$1,896
Expense Breakdown
Property Taxes
$300
Insurance
$150
HOA Fees
$0
Other Expenses
$100
Total Monthly Expenses
$550
Analysis Summary
With a DSCR of 1.25, this property is generating 25% more income than needed to cover the debt service. This is considered a strong DSCR by most lenders, which typically require a minimum of 1.20 for investment property loans.
Ground-Up Construction Loan Calculator
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Cost Breakdown
$350,000
total cost
Land Cost
$100,000
Construction Cost
$250,000
Loan Fees
$7,688
Interest (Construction Period)
$13,125
Loan Details
Total Project Cost:
$350,000
Loan Amount:
$262,500
Monthly Interest Payment:
$1,094
Total Interest (Construction Period):
$13,125
Origination Fee:
$3,938
Valuation/UW Fees:
$3,500
Total Loan Fees:
$7,438
Out of Pocket Cost:
$87,500
Project Profitability
Expected Market Value
$450,000
Total Cost (incl. fees & interest)
$370,563
Project Profit
$79,437
Return on Investment (ROI)
21.4%
Fix & Flip Loan Calculator
Property Details
Timeline
Loan Details
Holding Costs
Financing Summary
Maximum Loan Amount
$240,000