{"id":753,"date":"2026-08-11T01:27:10","date_gmt":"2026-08-11T05:27:10","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/"},"modified":"2026-08-11T01:56:27","modified_gmt":"2026-08-11T05:56:27","slug":"fix-and-flip-calculator-how-to-use","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/","title":{"rendered":"Fix and Flip Calculator: How to Calculate Flip Profit Step by Step (2026)"},"content":{"rendered":"<p>A <a href=\"\/fix-and-flip-calculator\"><strong>fix and flip calculator<\/strong><\/a> runs every number a house flipper needs in under 60 seconds: purchase price, rehab budget, holding costs, selling fees, net profit, and ROI. Skip the spreadsheet \u2014 run the calc, know your numbers, make the offer or walk away.<\/p>\n<p>Below you get a full walkthrough: how to use all three calculation modes, two complete worked examples with verified math, the 70% rule explained, a Fix &amp; Flip vs. BRRRR comparison, a breakdown of hidden holding costs, and the five mistakes that kill flip profits.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<p><span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav>\n<ul class='ez-toc-list ez-toc-list-level-1 ' >\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#What_Does_a_Fix_and_Flip_Calculator_Do\" >What Does a Fix and Flip Calculator Do?<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Inputs_the_Calculator_Takes\" >Inputs the Calculator Takes<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Outputs_the_Calculator_Delivers\" >Outputs the Calculator Delivers<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#How_to_Use_Our_Fix_and_Flip_Calculator_%E2%80%94_Three_Modes\" >How to Use Our Fix and Flip Calculator \u2014 Three Modes<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Mode_1_Standard_%E2%80%94_Calculate_Profit_and_ROI\" >Mode 1: Standard \u2014 Calculate Profit and ROI<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Mode_2_Reverse_%E2%80%94_Find_Maximum_Purchase_Price\" >Mode 2: Reverse \u2014 Find Maximum Purchase Price<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Mode_3_Reverse_%E2%80%94_Find_Maximum_Rehab_Budget\" >Mode 3: Reverse \u2014 Find Maximum Rehab Budget<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Worked_Example_1_Phoenix_Ranch_Flip\" >Worked Example 1: Phoenix Ranch Flip<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Step-by-Step_Math\" >Step-by-Step Math<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#70_Rule_Check\" >70% Rule Check<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Worked_Example_2_Atlanta_Townhouse_Flip\" >Worked Example 2: Atlanta Townhouse Flip<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Step-by-Step_Math-2\" >Step-by-Step Math<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#70_Rule_Check-2\" >70% Rule Check<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#The_70_Rule_%E2%80%94_How_It_Fits\" >The 70% Rule \u2014 How It Fits<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#The_Formula\" >The Formula<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#When_the_70_Rule_Works\" >When the 70% Rule Works<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#When_the_70_Rule_Misleads_You\" >When the 70% Rule Misleads You<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Fix_and_Flip_vs_BRRRR_%E2%80%94_Which_Strategy_Wins\" >Fix and Flip vs. BRRRR \u2014 Which Strategy Wins?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Holding_Costs_The_Hidden_Profit_Killer\" >Holding Costs: The Hidden Profit Killer<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#The_Five_Categories_of_Holding_Costs\" >The Five Categories of Holding Costs<\/a>\n<ul class='ez-toc-list-level-4' >\n<li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#1_Hard_Money_Interest\" >1. Hard Money Interest<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#2_Property_Taxes\" >2. Property Taxes<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#3_Insurance\" >3. Insurance<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#4_Utilities\" >4. Utilities<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#5_HOA_Fees\" >5. HOA Fees<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Real_Numbers_6-Month_Hold_on_a_300K_Purchase\" >Real Numbers: 6-Month Hold on a $300K Purchase<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#5_Common_Mistakes_That_Kill_Flip_Profits\" >5 Common Mistakes That Kill Flip Profits<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#1_Overestimating_ARV\" >1. Overestimating ARV<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#2_Underestimating_Rehab_Costs\" >2. Underestimating Rehab Costs<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#3_Ignoring_Holding_Costs\" >3. Ignoring Holding Costs<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#4_Buying_in_the_Wrong_Market_Conditions\" >4. Buying in the Wrong Market Conditions<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#5_Miscalculating_Tax_Exposure\" >5. Miscalculating Tax Exposure<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#What_is_a_good_profit_margin_for_a_house_flip\" >What is a good profit margin for a house flip?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#How_do_you_calculate_flip_profit_step_by_step\" >How do you calculate flip profit step by step?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#What_is_the_70_rule_in_house_flipping\" >What is the 70% rule in house flipping?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#How_is_fix_and_flip_ROI_calculated\" >How is fix and flip ROI calculated?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#What_costs_do_most_beginners_forget_when_flipping_houses\" >What costs do most beginners forget when flipping houses?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Is_it_better_to_flip_houses_with_cash_or_hard_money\" >Is it better to flip houses with cash or hard money?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#How_many_houses_do_professional_flippers_flip_per_year\" >How many houses do professional flippers flip per year?<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/arvcalc.com\/blog\/fix-and-flip-calculator-how-to-use\/#Related_Calculators\" >Related Calculators<\/a><\/li>\n<\/ul>\n<\/nav>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Does_a_Fix_and_Flip_Calculator_Do\"><\/span><span class=\"ez-toc-section\" id=\"What_Does_a_Fix_and_Flip_Calculator_Do\"><\/span>What Does a Fix and Flip Calculator Do?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> translates raw deal data into a profit-and-loss picture before you commit a dollar. Every flip has the same cost structure \u2014 you need a tool that handles all of it at once.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Inputs_the_Calculator_Takes\"><\/span><span class=\"ez-toc-section\" id=\"Inputs_the_Calculator_Takes\"><\/span>Inputs the Calculator Takes<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Input<\/th>\n<th>What to Enter<\/th>\n<th>Where It Comes From<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>After Repair Value (ARV)<\/td>\n<td>Projected sale price after renovation<\/td>\n<td>Comparable sales, <a href=\"\/arv-calculator\">ARV calculator<\/a><\/td>\n<\/tr>\n<tr>\n<td>Purchase Price<\/td>\n<td>What you pay for the property<\/td>\n<td>Negotiated offer<\/td>\n<\/tr>\n<tr>\n<td>Rehab Budget<\/td>\n<td>Total renovation cost<\/td>\n<td><a href=\"\/rehab-cost-estimator\">Rehab cost estimator<\/a>, contractor quotes<\/td>\n<\/tr>\n<tr>\n<td>Financing Type<\/td>\n<td>Cash, hard money, conventional<\/td>\n<td>Lender terms<\/td>\n<\/tr>\n<tr>\n<td>Interest Rate<\/td>\n<td>Annual rate on the loan<\/td>\n<td><a href=\"\/hard-money-loan-calculator\">Hard money loan calculator<\/a><\/td>\n<\/tr>\n<tr>\n<td>Hold Period<\/td>\n<td>Months from purchase to sale close<\/td>\n<td>Rehab timeline + average days on market<\/td>\n<\/tr>\n<tr>\n<td>Selling Costs<\/td>\n<td>Agent commissions, closing costs, staging<\/td>\n<td>Local agent rates, <a href=\"\/closing-costs-calculator\">closing costs calculator<\/a><\/td>\n<\/tr>\n<tr>\n<td>Buying Costs<\/td>\n<td>Inspection, title, closing fees on purchase<\/td>\n<td>Title company, lender estimate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3><span class=\"ez-toc-section\" id=\"Outputs_the_Calculator_Delivers\"><\/span><span class=\"ez-toc-section\" id=\"Outputs_the_Calculator_Delivers\"><\/span>Outputs the Calculator Delivers<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Output<\/th>\n<th>Formula<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Net Profit<\/td>\n<td>ARV \u2212 Purchase \u2212 Rehab \u2212 Holding Costs \u2212 Selling Costs<\/td>\n<\/tr>\n<tr>\n<td>Total Cash Invested<\/td>\n<td>Purchase + Rehab + Buying Costs<\/td>\n<\/tr>\n<tr>\n<td>ROI<\/td>\n<td>Net Profit \u00f7 Total Cash Invested \u00d7 100<\/td>\n<\/tr>\n<tr>\n<td>Annualized ROI<\/td>\n<td>(Net Profit \u00f7 Total Cash Invested) \u00d7 (12 \u00f7 Hold Months) \u00d7 100<\/td>\n<\/tr>\n<tr>\n<td>70% Rule Check<\/td>\n<td>ARV \u00d7 0.70 \u2212 Rehab vs. Your Offer<\/td>\n<\/tr>\n<tr>\n<td>Holding Costs Breakdown<\/td>\n<td>Interest + Taxes + Insurance + Utilities per month<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>The <a href=\"\/house-flipping-profit-calculator\">house flipping profit calculator<\/a> at ArvCalc goes one step further \u2014 it separates hard money interest from property taxes and utilities so you see exactly where the money bleeds out during the hold.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Use_Our_Fix_and_Flip_Calculator_%E2%80%94_Three_Modes\"><\/span><span class=\"ez-toc-section\" id=\"How_to_Use_Our_Fix_and_Flip_Calculator_%E2%80%94_Three_Modes\"><\/span>How to Use Our Fix and Flip Calculator \u2014 Three Modes<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Open the <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a>. You&#8217;ll see three tabs at the top. Each solves a different question.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Mode_1_Standard_%E2%80%94_Calculate_Profit_and_ROI\"><\/span><span class=\"ez-toc-section\" id=\"Mode_1_Standard_%E2%80%94_Calculate_Profit_and_ROI\"><\/span>Mode 1: Standard \u2014 Calculate Profit and ROI<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Use this when you have a specific property in mind and want to know if the numbers work.<\/p>\n<ol>\n<li><strong>Enter the ARV.<\/strong> Pull at least three closed comps within 0.5 miles, sold in the past 90 days, similar size and condition. Use the <a href=\"\/arv-calculator\">ARV calculator<\/a> if you need help weighting comps.<\/li>\n<li><strong>Enter the purchase price.<\/strong> This is your offer, not the list price.<\/li>\n<li><strong>Enter rehab budget.<\/strong> Line-item quotes beat gut estimates. Use the <a href=\"\/rehab-cost-estimator\">rehab cost estimator<\/a> to build your scope of work.<\/li>\n<li><strong>Enter financing terms.<\/strong> Hard money? Enter the rate and origination points. Cash deal? Set rate to 0 and enter your opportunity cost if you want an honest comparison.<\/li>\n<li><strong>Enter hold period in months.<\/strong> Be realistic \u2014 most flips run 30\u201360 days longer than planned.<\/li>\n<li><strong>Enter selling costs.<\/strong> Typical range: 7\u20139% of ARV. Include agent commissions (5\u20136%), staging ($1,500\u2013$4,000), and seller-paid closing costs (1\u20132%).<\/li>\n<li><strong>Hit Calculate.<\/strong> The tool returns net profit, ROI, and a 70% rule check in real time.<\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"Mode_2_Reverse_%E2%80%94_Find_Maximum_Purchase_Price\"><\/span><span class=\"ez-toc-section\" id=\"Mode_2_Reverse_%E2%80%94_Find_Maximum_Purchase_Price\"><\/span>Mode 2: Reverse \u2014 Find Maximum Purchase Price<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Use this before making an offer. You know what you want to net. The calculator works backward to tell you the most you can pay.<\/p>\n<ol>\n<li>Enter ARV, rehab budget, hold period, financing terms, selling costs.<\/li>\n<li>Enter your <strong>minimum acceptable profit<\/strong> (e.g., $25,000).<\/li>\n<li>The calculator outputs the maximum allowable purchase price.<\/li>\n<\/ol>\n<p>This mode stops you from negotiating against yourself. You walk into negotiations knowing your ceiling \u2014 not guessing it.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Mode_3_Reverse_%E2%80%94_Find_Maximum_Rehab_Budget\"><\/span><span class=\"ez-toc-section\" id=\"Mode_3_Reverse_%E2%80%94_Find_Maximum_Rehab_Budget\"><\/span>Mode 3: Reverse \u2014 Find Maximum Rehab Budget<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Use this when you have a purchase price locked up but rehab bids are coming in high.<\/p>\n<ol>\n<li>Enter ARV, purchase price, hold period, financing terms, selling costs.<\/li>\n<li>Enter your minimum profit target.<\/li>\n<li>The calculator tells you the maximum you can spend on rehab and still hit your number.<\/li>\n<\/ol>\n<p>This is the fastest way to have an honest conversation with a contractor: &#8220;Here is the budget. What can we do within it?&#8221;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Worked_Example_1_Phoenix_Ranch_Flip\"><\/span><span class=\"ez-toc-section\" id=\"Worked_Example_1_Phoenix_Ranch_Flip\"><\/span>Worked Example 1: Phoenix Ranch Flip<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A 3-bed\/2-bath ranch in a Phoenix suburb. The property needs a full kitchen update, two bathroom refreshes, new flooring, fresh paint, and landscaping. Here are the deal inputs:<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Input<\/th>\n<th>Amount<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>After Repair Value (ARV)<\/td>\n<td>$410,000<\/td>\n<\/tr>\n<tr>\n<td>Purchase Price<\/td>\n<td>$285,000<\/td>\n<\/tr>\n<tr>\n<td>Rehab Budget<\/td>\n<td>$65,000<\/td>\n<\/tr>\n<tr>\n<td>Hold Period<\/td>\n<td>6 months<\/td>\n<\/tr>\n<tr>\n<td>Hard Money Rate<\/td>\n<td>10% annual on purchase price<\/td>\n<\/tr>\n<tr>\n<td>Monthly Property Taxes<\/td>\n<td>$250\/month<\/td>\n<\/tr>\n<tr>\n<td>Monthly Insurance<\/td>\n<td>$100\/month<\/td>\n<\/tr>\n<tr>\n<td>Monthly Utilities<\/td>\n<td>$150\/month<\/td>\n<\/tr>\n<tr>\n<td>Agent Commission (selling)<\/td>\n<td>6% of ARV<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3><span class=\"ez-toc-section\" id=\"Step-by-Step_Math\"><\/span><span class=\"ez-toc-section\" id=\"Step-by-Step_Math\"><\/span>Step-by-Step Math<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Hard money interest:<\/strong><br \/>\n$285,000 \u00d7 10% \u00f7 12 months \u00d7 6 months = <strong>$14,250<\/strong><\/p>\n<p><strong>Property taxes:<\/strong><br \/>\n$250 \u00d7 6 = <strong>$1,500<\/strong><\/p>\n<p><strong>Insurance:<\/strong><br \/>\n$100 \u00d7 6 = <strong>$600<\/strong><\/p>\n<p><strong>Utilities:<\/strong><br \/>\n$150 \u00d7 6 = <strong>$900<\/strong><\/p>\n<p><strong>Total holding costs:<\/strong><br \/>\n$14,250 + $1,500 + $600 + $900 = <strong>$17,250<\/strong><\/p>\n<p><strong>Selling costs (6% of $410,000):<\/strong><br \/>\n$410,000 \u00d7 0.06 = <strong>$24,600<\/strong><\/p>\n<p><strong>Net Profit:<\/strong><br \/>\n$410,000 \u2212 $285,000 \u2212 $65,000 \u2212 $17,250 \u2212 $24,600 = <strong>$18,150<\/strong><\/p>\n<p><strong>Total Cash Invested:<\/strong><br \/>\n$285,000 + $65,000 = <strong>$350,000<\/strong><\/p>\n<p><strong>ROI:<\/strong><br \/>\n$18,150 \u00f7 $350,000 \u00d7 100 = <strong>5.19%<\/strong><\/p>\n<p><strong>Annualized ROI:<\/strong><br \/>\n5.19% \u00d7 (12 \u00f7 6) = <strong>10.37% annualized<\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"70_Rule_Check\"><\/span><span class=\"ez-toc-section\" id=\"70_Rule_Check\"><\/span>70% Rule Check<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Max offer per 70% rule = $410,000 \u00d7 0.70 \u2212 $65,000 = $287,000 \u2212 $65,000 = <strong>$222,000<\/strong><\/p>\n<p>The $285,000 purchase price is $63,000 above the 70% rule limit. The deal generates a profit \u2014 but a thin one. A softer market, longer hold, or a rehab cost overrun erases it fast. This is the kind of deal where you negotiate harder or walk. Run this scenario yourself in the <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> and move the purchase price slider down to see how profit grows with each $5,000 reduction in offer price.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Worked_Example_2_Atlanta_Townhouse_Flip\"><\/span><span class=\"ez-toc-section\" id=\"Worked_Example_2_Atlanta_Townhouse_Flip\"><\/span>Worked Example 2: Atlanta Townhouse Flip<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A 2-bed\/2.5-bath townhouse in a growing Atlanta suburb. Scope of work: cosmetic \u2014 paint, flooring, kitchen cabinet refacing, bathroom fixtures, new light fixtures. Shorter hold means lower carrying costs.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Input<\/th>\n<th>Amount<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>After Repair Value (ARV)<\/td>\n<td>$275,000<\/td>\n<\/tr>\n<tr>\n<td>Purchase Price<\/td>\n<td>$195,000<\/td>\n<\/tr>\n<tr>\n<td>Rehab Budget<\/td>\n<td>$35,000<\/td>\n<\/tr>\n<tr>\n<td>Hold Period<\/td>\n<td>4 months<\/td>\n<\/tr>\n<tr>\n<td>Hard Money Rate<\/td>\n<td>10% annual on purchase price<\/td>\n<\/tr>\n<tr>\n<td>Monthly Property Taxes<\/td>\n<td>$220\/month<\/td>\n<\/tr>\n<tr>\n<td>Monthly Insurance<\/td>\n<td>$90\/month<\/td>\n<\/tr>\n<tr>\n<td>Monthly Utilities<\/td>\n<td>$120\/month<\/td>\n<\/tr>\n<tr>\n<td>Agent Commission (selling)<\/td>\n<td>6% of ARV<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3><span class=\"ez-toc-section\" id=\"Step-by-Step_Math-2\"><\/span><span class=\"ez-toc-section\" id=\"Step-by-Step_Math-2\"><\/span>Step-by-Step Math<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Hard money interest:<\/strong><br \/>\n$195,000 \u00d7 10% \u00f7 12 \u00d7 4 = <strong>$6,500<\/strong><\/p>\n<p><strong>Property taxes:<\/strong><br \/>\n$220 \u00d7 4 = <strong>$880<\/strong><\/p>\n<p><strong>Insurance:<\/strong><br \/>\n$90 \u00d7 4 = <strong>$360<\/strong><\/p>\n<p><strong>Utilities:<\/strong><br \/>\n$120 \u00d7 4 = <strong>$480<\/strong><\/p>\n<p><strong>Total holding costs:<\/strong><br \/>\n$6,500 + $880 + $360 + $480 = <strong>$8,220<\/strong><\/p>\n<p><strong>Selling costs (6% of $275,000):<\/strong><br \/>\n$275,000 \u00d7 0.06 = <strong>$16,500<\/strong><\/p>\n<p><strong>Net Profit:<\/strong><br \/>\n$275,000 \u2212 $195,000 \u2212 $35,000 \u2212 $8,220 \u2212 $16,500 = <strong>$20,280<\/strong><\/p>\n<p><strong>Total Cash Invested:<\/strong><br \/>\n$195,000 + $35,000 = <strong>$230,000<\/strong><\/p>\n<p><strong>ROI:<\/strong><br \/>\n$20,280 \u00f7 $230,000 \u00d7 100 = <strong>8.82%<\/strong><\/p>\n<p><strong>Annualized ROI:<\/strong><br \/>\n8.82% \u00d7 (12 \u00f7 4) = <strong>26.46% annualized<\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"70_Rule_Check-2\"><\/span><span class=\"ez-toc-section\" id=\"70_Rule_Check-2\"><\/span>70% Rule Check<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Max offer per 70% rule = $275,000 \u00d7 0.70 \u2212 $35,000 = $192,500 \u2212 $35,000 = <strong>$157,500<\/strong><\/p>\n<p>Again, the purchase price ($195,000) exceeds the strict 70% rule ceiling ($157,500). The deal still works because the cosmetic scope kept rehab lean and the 4-month hold minimized carrying costs. This illustrates the 70% rule&#8217;s role as a conservative filter \u2014 not a hard veto. Plug these numbers into the <a href=\"\/fix-and-flip-calculator\">flip profit calculator<\/a> and compare both deals side-by-side using the <a href=\"\/real-estate-roi-calculator\">real estate ROI calculator<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_70_Rule_%E2%80%94_How_It_Fits\"><\/span><span class=\"ez-toc-section\" id=\"The_70_Rule_%E2%80%94_How_It_Fits\"><\/span>The 70% Rule \u2014 How It Fits<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 70% rule is the fastest pre-screening filter in house flipping. It does not replace a full <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> analysis, but it tells you in five seconds whether a deal is worth a deeper look.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Formula\"><\/span><span class=\"ez-toc-section\" id=\"The_Formula\"><\/span>The Formula<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Max Offer = ARV \u00d7 0.70 \u2212 Estimated Rehab Cost<\/strong><\/p>\n<p>Example: ARV = $300,000, Rehab = $40,000<br \/>\nMax Offer = $300,000 \u00d7 0.70 \u2212 $40,000 = $210,000 \u2212 $40,000 = <strong>$170,000<\/strong><\/p>\n<p>The 30% buffer left over is supposed to cover selling costs (~8%), holding costs (~4\u20136%), and your profit margin (~15\u201320%). Use the <a href=\"\/70-percent-rule-calculator\">70% rule calculator<\/a> to run this instantly, then read the full breakdown in our <a href=\"\/blog\/70-percent-rule-real-estate-flipping-guide\/\">70% rule real estate guide<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_the_70_Rule_Works\"><\/span><span class=\"ez-toc-section\" id=\"When_the_70_Rule_Works\"><\/span>When the 70% Rule Works<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Quick triage on incoming wholesale leads \u2014 run the rule before you even pull comps<\/li>\n<li>High-volume markets where competition is fierce and thin margins are normal<\/li>\n<li>Standard residential properties with predictable selling costs<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"When_the_70_Rule_Misleads_You\"><\/span><span class=\"ez-toc-section\" id=\"When_the_70_Rule_Misleads_You\"><\/span>When the 70% Rule Misleads You<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Luxury flips.<\/strong> Selling costs eat a larger percentage; 70% is often too generous.<\/li>\n<li><strong>Very long holds.<\/strong> 12+ months of carrying costs at 12% interest devour the buffer fast.<\/li>\n<li><strong>Rural or illiquid markets.<\/strong> Days-on-market can be 6\u201312 months, compressing effective returns.<\/li>\n<li><strong>Unique properties.<\/strong> Comp selection becomes difficult; ARV estimates carry higher error.<\/li>\n<\/ul>\n<p>According to <a href=\"https:\/\/www.attomdata.com\/news\/market-trends\/flipping\/\" target=\"_blank\" rel=\"noopener noreferrer\">ATTOM Data Solutions<\/a>, average gross flipping returns in the U.S. were around 27% of purchase price in recent years \u2014 which sounds good until you run actual holding costs and see net margins compress to single digits on many deals. The 70% rule protects your margin by building in a conservative cushion from the start.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fix_and_Flip_vs_BRRRR_%E2%80%94_Which_Strategy_Wins\"><\/span><span class=\"ez-toc-section\" id=\"Fix_and_Flip_vs_BRRRR_%E2%80%94_Which_Strategy_Wins\"><\/span>Fix and Flip vs. BRRRR \u2014 Which Strategy Wins?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Both strategies start with distressed properties. After that, they diverge sharply. Run the <a href=\"\/brrrr-calculator\">BRRRR calculator<\/a> alongside the flip calc to compare the same property under both strategies.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Factor<\/th>\n<th>Fix and Flip<\/th>\n<th>BRRRR<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Goal<\/td>\n<td>Immediate profit at sale<\/td>\n<td>Long-term cash flow + equity<\/td>\n<\/tr>\n<tr>\n<td>Hold Period<\/td>\n<td>3\u201312 months<\/td>\n<td>Indefinite (keep the asset)<\/td>\n<\/tr>\n<tr>\n<td>Capital Recovery<\/td>\n<td>Full at sale<\/td>\n<td>Partial via cash-out refinance<\/td>\n<\/tr>\n<tr>\n<td>Tax Treatment<\/td>\n<td>Short-term capital gains (ordinary income if &lt;1 year)<\/td>\n<td>Depreciation, long-term gains if sold later<\/td>\n<\/tr>\n<tr>\n<td>Cash Required<\/td>\n<td>High upfront (purchase + rehab)<\/td>\n<td>High upfront, lower net after refi<\/td>\n<\/tr>\n<tr>\n<td>Ongoing Work<\/td>\n<td>None after sale<\/td>\n<td>Property management ongoing<\/td>\n<\/tr>\n<tr>\n<td>Market Risk<\/td>\n<td>Concentrated \u2014 sell into current market<\/td>\n<td>Spread over time<\/td>\n<\/tr>\n<tr>\n<td>Scalability<\/td>\n<td>Limited by capital recycling speed<\/td>\n<td>Scales via equity leverage<\/td>\n<\/tr>\n<tr>\n<td>Best Calculator<\/td>\n<td><a href=\"\/fix-and-flip-calculator\">Fix and Flip Calculator<\/a><\/td>\n<td><a href=\"\/brrrr-calculator\">BRRRR Calculator<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>For investors who want to build a rental portfolio, BRRRR often wins on long-term wealth creation. For those who want quarterly income events and no landlord headaches, flipping wins. The tax difference is significant \u2014 flips held under one year are taxed as ordinary income, which can push into the 32\u201337% bracket for active flippers. See the <a href=\"\/capital-gains-tax-calculator\">capital gains tax calculator<\/a> and our guide on <a href=\"\/blog\/avoid-capital-gains-tax-on-investment-property\/\">how to avoid capital gains tax on investment property<\/a> before you decide which path fits your tax situation.<\/p>\n<p>For more on the IRS rules around capital gains holding periods, see the <a href=\"https:\/\/www.irs.gov\/taxtopics\/tc409\" target=\"_blank\" rel=\"noopener noreferrer\">IRS Topic 409 \u2014 Capital Gains and Losses<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Holding_Costs_The_Hidden_Profit_Killer\"><\/span><span class=\"ez-toc-section\" id=\"Holding_Costs_The_Hidden_Profit_Killer\"><\/span>Holding Costs: The Hidden Profit Killer<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Beginners budget for purchase and rehab. Experienced flippers budget for everything in between. Holding costs are silent \u2014 they accrue every month whether construction is moving or not.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Five_Categories_of_Holding_Costs\"><\/span><span class=\"ez-toc-section\" id=\"The_Five_Categories_of_Holding_Costs\"><\/span>The Five Categories of Holding Costs<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"1_Hard_Money_Interest\"><\/span><span class=\"ez-toc-section\" id=\"1_Hard_Money_Interest\"><\/span>1. Hard Money Interest<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Hard money loans carry 9\u201313% annual rates with 1\u20134 origination points. On a $250,000 loan at 12% held for 8 months, that&#8217;s $20,000 in interest alone \u2014 before origination fees. Use the <a href=\"\/hard-money-loan-calculator\">hard money loan calculator<\/a> to model full financing costs and read our <a href=\"\/blog\/hard-money-loan-calculator-guide\/\">hard money loan guide<\/a> for lender comparison tips.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"2_Property_Taxes\"><\/span><span class=\"ez-toc-section\" id=\"2_Property_Taxes\"><\/span>2. Property Taxes<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Property taxes don&#8217;t pause during renovation. On a $300,000 purchase in a market with a 1.2% effective tax rate, monthly taxes run $300. Over six months: $1,800. Over twelve months: $3,600. Factor this into your hold period estimate from day one.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"3_Insurance\"><\/span><span class=\"ez-toc-section\" id=\"3_Insurance\"><\/span>3. Insurance<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Vacant property insurance (also called builder&#8217;s risk or renovation insurance) costs more than standard homeowner policies \u2014 often $100\u2013$250\/month depending on property value and scope of work. Standard homeowner policies typically void coverage on unoccupied properties beyond 30\u201360 days. Do not skip this.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"4_Utilities\"><\/span><span class=\"ez-toc-section\" id=\"4_Utilities\"><\/span>4. Utilities<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Water, electric, and gas run $100\u2013$300\/month depending on climate and what&#8217;s being renovated. HVAC testing, running water for tile work, and electricity for power tools all add up. Budget $150\/month as a baseline.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"5_HOA_Fees\"><\/span><span class=\"ez-toc-section\" id=\"5_HOA_Fees\"><\/span>5. HOA Fees<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Condos and townhouses often carry HOA fees of $200\u2013$600\/month. These don&#8217;t pause for renovation. In a 6-month hold on a condo with $350\/month HOA, that&#8217;s $2,100 off the top before you touch a hammer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Real_Numbers_6-Month_Hold_on_a_300K_Purchase\"><\/span><span class=\"ez-toc-section\" id=\"Real_Numbers_6-Month_Hold_on_a_300K_Purchase\"><\/span>Real Numbers: 6-Month Hold on a $300K Purchase<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Cost Category<\/th>\n<th>Monthly<\/th>\n<th>6-Month Total<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Hard money interest (11%)<\/td>\n<td>$2,750<\/td>\n<td>$16,500<\/td>\n<\/tr>\n<tr>\n<td>Property taxes<\/td>\n<td>$300<\/td>\n<td>$1,800<\/td>\n<\/tr>\n<tr>\n<td>Vacant property insurance<\/td>\n<td>$150<\/td>\n<td>$900<\/td>\n<\/tr>\n<tr>\n<td>Utilities<\/td>\n<td>$175<\/td>\n<td>$1,050<\/td>\n<\/tr>\n<tr>\n<td>HOA (if applicable)<\/td>\n<td>$350<\/td>\n<td>$2,100<\/td>\n<\/tr>\n<tr>\n<td><strong>Total (with HOA)<\/strong><\/td>\n<td><strong>$3,725<\/strong><\/td>\n<td><strong>$22,350<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Total (without HOA)<\/strong><\/td>\n<td><strong>$3,375<\/strong><\/td>\n<td><strong>$20,250<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>That $20,000\u2013$22,000 in carrying costs comes straight out of your profit. If your projected profit is $30,000 and the rehab runs two months over schedule, you&#8217;ve lost $6,750\u2013$7,450 in extra carrying costs. Run every scenario in the <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> \u2014 including a worst-case 2-month extension \u2014 before signing the purchase contract.<\/p>\n<p>According to the <a href=\"https:\/\/www.census.gov\/construction\/nrc\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">U.S. Census Bureau&#8217;s New Residential Construction data<\/a>, construction timelines have extended significantly since 2020 due to material and labor supply constraints. That trend affects renovation timelines on flips too.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Common_Mistakes_That_Kill_Flip_Profits\"><\/span><span class=\"ez-toc-section\" id=\"5_Common_Mistakes_That_Kill_Flip_Profits\"><\/span>5 Common Mistakes That Kill Flip Profits<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Overestimating_ARV\"><\/span><span class=\"ez-toc-section\" id=\"1_Overestimating_ARV\"><\/span>1. Overestimating ARV<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why it matters:<\/strong> Every dollar of ARV error cascades through the entire model. If you overestimate ARV by $20,000, your actual profit shrinks by the same amount. On a deal targeting $25,000 in profit, that&#8217;s an 80% error in your actual return.<\/p>\n<p><strong>Fix:<\/strong> Pull a minimum of 5 sold comps within 0.5 miles and 90 days. Adjust for square footage, lot size, age, and condition using a standardized per-square-foot adjustment. If comps are scarce, use the <a href=\"\/arv-calculator\">ARV calculator<\/a> and read our <a href=\"\/blog\/after-repair-value-guide\/\">after repair value guide<\/a> to understand adjustment methodology. When in doubt, use the lowest defensible ARV.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Underestimating_Rehab_Costs\"><\/span><span class=\"ez-toc-section\" id=\"2_Underestimating_Rehab_Costs\"><\/span>2. Underestimating Rehab Costs<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why it matters:<\/strong> Rehab overruns are the #1 cause of deal failures, according to experienced investors. A $10,000 surprise structural issue on a $40,000 rehab budget is a 25% cost overrun that eliminates most profit scenarios.<\/p>\n<p><strong>Fix:<\/strong> Get three contractor bids. Add a 15\u201320% contingency buffer on top of the highest bid. Never start construction without a detailed scope of work with line-item pricing. Use the <a href=\"\/rehab-cost-estimator\">rehab cost estimator<\/a> to build your scope before meeting contractors. Read the full breakdown in <a href=\"\/blog\/cost-to-rehab-a-house\/\">how much does it cost to rehab a house<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Ignoring_Holding_Costs\"><\/span><span class=\"ez-toc-section\" id=\"3_Ignoring_Holding_Costs\"><\/span>3. Ignoring Holding Costs<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why it matters:<\/strong> New investors often subtract only purchase, rehab, and agent commission from ARV. That approach misses $15,000\u2013$25,000 in carrying costs on a typical 6-month flip \u2014 turning a projected $30,000 profit into a $5,000\u2013$15,000 gain, or a loss.<\/p>\n<p><strong>Fix:<\/strong> Use the <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> with all holding cost fields filled in. Estimate conservatively \u2014 assume 1\u20132 extra months on top of your rehab timeline. Also factor in closing costs on the buy side. See our <a href=\"\/blog\/closing-costs-on-investment-property-guide\/\">closing costs on investment property guide<\/a> and <a href=\"\/closing-costs-calculator\">closing costs calculator<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Buying_in_the_Wrong_Market_Conditions\"><\/span><span class=\"ez-toc-section\" id=\"4_Buying_in_the_Wrong_Market_Conditions\"><\/span>4. Buying in the Wrong Market Conditions<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why it matters:<\/strong> In a declining market, your ARV estimate at purchase becomes a ceiling that drops while you renovate. A 5% price decline on a $400,000 ARV property erases $20,000 from your projected sale price.<\/p>\n<p><strong>Fix:<\/strong> Track months of supply in your target market. Below 3 months is a seller&#8217;s market \u2014 flips sell fast. Above 6 months is a buyer&#8217;s market \u2014 price conservatively and shorten scope to exit faster. The <a href=\"https:\/\/www.nar.realtor\/research-and-statistics\" target=\"_blank\" rel=\"noopener noreferrer\">NAR existing home sales data<\/a> gives you national trends; check local MLS data for your specific submarkets.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Miscalculating_Tax_Exposure\"><\/span><span class=\"ez-toc-section\" id=\"5_Miscalculating_Tax_Exposure\"><\/span>5. Miscalculating Tax Exposure<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why it matters:<\/strong> A flip held under 12 months is taxed as short-term capital gains \u2014 at your ordinary income rate. For an investor in the 32% bracket clearing $50,000 profit on two flips per year, that&#8217;s $16,000 to the IRS per deal. This is often the difference between a good business and a mediocre one.<\/p>\n<p><strong>Fix:<\/strong> Run your after-tax ROI using the <a href=\"\/capital-gains-tax-calculator\">capital gains tax calculator<\/a> before you evaluate any deal. If you can extend a hold beyond 12 months by renting temporarily, the long-term capital gains rate (0\u201320%) may be far more advantageous. Talk to a CPA who specializes in real estate investment. See <a href=\"\/blog\/avoid-capital-gains-tax-on-investment-property\/\">strategies to reduce capital gains tax on investment property<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"What_is_a_good_profit_margin_for_a_house_flip\"><\/span><span class=\"ez-toc-section\" id=\"What_is_a_good_profit_margin_for_a_house_flip\"><\/span>What is a good profit margin for a house flip?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:block\">\n<p itemprop=\"text\">Most experienced flippers target a minimum net profit of $20,000\u2013$25,000 per deal, or an ROI of at least 10\u201315% on total cash invested. On an annualized basis, strong deals hit 20\u201330%+ annualized ROI. Margins below 10% ROI leave no room for cost overruns or a soft market. Run your deal through the <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> and compare annualized ROI against alternative investments before committing. According to <a href=\"https:\/\/www.attomdata.com\/news\/market-trends\/flipping\/\" target=\"_blank\" rel=\"noopener noreferrer\">ATTOM Data<\/a>, average gross flipping profits have ranged from $60,000\u2013$75,000 in recent years, but gross profit includes no deduction for carrying costs or commissions.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"How_do_you_calculate_flip_profit_step_by_step\"><\/span><span class=\"ez-toc-section\" id=\"How_do_you_calculate_flip_profit_step_by_step\"><\/span>How do you calculate flip profit step by step?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">Flip profit = ARV \u2212 Purchase Price \u2212 Rehab Cost \u2212 Holding Costs \u2212 Selling Costs. Holding costs include hard money interest, property taxes, insurance, and utilities for the full hold period. Selling costs typically include agent commissions (5\u20136%), seller-paid closing costs (1\u20132%), and staging. The <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> handles all five components with a single form. For a complete walkthrough, see the worked examples above or the <a href=\"\/blog\/house-flipping-profit-calculator-guide\/\">house flipping profit calculator guide<\/a>.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"What_is_the_70_rule_in_house_flipping\"><\/span><span class=\"ez-toc-section\" id=\"What_is_the_70_rule_in_house_flipping\"><\/span>What is the 70% rule in house flipping?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">The 70% rule states that your maximum purchase offer should not exceed 70% of the property&#8217;s ARV minus your estimated rehab cost. Formula: Max Offer = ARV \u00d7 0.70 \u2212 Rehab. The 30% buffer is meant to cover selling costs, holding costs, and profit margin. It&#8217;s a quick screening filter \u2014 not a replacement for a full analysis. Use the <a href=\"\/70-percent-rule-calculator\">70% rule calculator<\/a> for instant results and read the full <a href=\"\/blog\/70-percent-rule-real-estate-flipping-guide\/\">70% rule guide<\/a> for limitations and market-specific adjustments.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"How_is_fix_and_flip_ROI_calculated\"><\/span><span class=\"ez-toc-section\" id=\"How_is_fix_and_flip_ROI_calculated\"><\/span>How is fix and flip ROI calculated?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">Fix and flip ROI = Net Profit \u00f7 Total Cash Invested \u00d7 100. Total cash invested is typically your purchase price plus rehab costs (and buying-side closing costs if you include them). Annualized ROI multiplies that figure by (12 \u00f7 hold period in months) to make deals with different hold periods comparable. A deal with 8% ROI over 4 months annualizes to 24% \u2014 much more meaningful than the raw figure. Use the <a href=\"\/real-estate-roi-calculator\">real estate ROI calculator<\/a> to compare deals on an annualized basis.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"What_costs_do_most_beginners_forget_when_flipping_houses\"><\/span><span class=\"ez-toc-section\" id=\"What_costs_do_most_beginners_forget_when_flipping_houses\"><\/span>What costs do most beginners forget when flipping houses?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">The most commonly forgotten costs are: (1) hard money interest \u2014 can reach $15,000\u2013$25,000 on a 6-month flip; (2) vacant property insurance \u2014 required and more expensive than standard homeowner policies; (3) seller-paid closing costs at sale \u2014 buyers routinely negotiate 1\u20132% of purchase price in concessions; (4) staging costs \u2014 $2,000\u2013$6,000 for a fully staged flip; (5) holding costs on rehab overruns \u2014 if your 4-month plan becomes 6 months, you carry 2 extra months of interest and taxes. The <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> has dedicated fields for each. See our <a href=\"\/blog\/how-to-flip-a-house-beginner-guide\/\">beginner&#8217;s guide to flipping houses<\/a> for a full cost checklist.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"Is_it_better_to_flip_houses_with_cash_or_hard_money\"><\/span><span class=\"ez-toc-section\" id=\"Is_it_better_to_flip_houses_with_cash_or_hard_money\"><\/span>Is it better to flip houses with cash or hard money?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">Cash eliminates interest expense and makes offers more competitive, but it ties up 100% of your capital in one deal. Hard money lets you leverage your capital across multiple deals simultaneously \u2014 if you have $300,000 cash, you can do one cash deal or use it as down payments on 3\u20134 leveraged flips. The tradeoff is 10\u201313% annual interest and origination fees. The right answer depends on your capital base, deal flow, and local market speed. Run both scenarios in the <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> to compare net ROI with and without financing. Use the <a href=\"\/hard-money-loan-calculator\">hard money loan calculator<\/a> to model full financing costs.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"How_many_houses_do_professional_flippers_flip_per_year\"><\/span><span class=\"ez-toc-section\" id=\"How_many_houses_do_professional_flippers_flip_per_year\"><\/span>How many houses do professional flippers flip per year?<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">Part-time investors typically complete 1\u20134 flips per year. Full-time flippers with a team and reliable deal flow often do 10\u201330 per year. Large institutional flipping operations run 100+ simultaneously. The key constraint is capital recycling speed \u2014 how quickly you can close, renovate, sell, and redeploy. A 4-month average hold means you can theoretically cycle capital 3 times per year per dollar invested. According to <a href=\"https:\/\/www.attomdata.com\/news\/market-trends\/flipping\/\" target=\"_blank\" rel=\"noopener noreferrer\">ATTOM Data<\/a>, approximately 67,000 single-family homes and condos were flipped in a single recent quarter nationally. Track your own deal performance using the <a href=\"\/house-flipping-profit-calculator\">house flipping profit calculator<\/a> to measure improvement over time.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Related_Calculators\"><\/span><span class=\"ez-toc-section\" id=\"Related_Calculators\"><\/span>Related Calculators<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Every flip decision connects to a broader set of financial variables. Use these tools in sequence to build a complete picture before committing capital:<\/p>\n<ul>\n<li><a href=\"\/fix-and-flip-calculator\"><strong>Fix and Flip Calculator<\/strong><\/a> \u2014 Full profit, ROI, and 70% rule check in one tool<\/li>\n<li><a href=\"\/arv-calculator\"><strong>ARV Calculator<\/strong><\/a> \u2014 Calculate after repair value from comparable sales<\/li>\n<li><a href=\"\/70-percent-rule-calculator\"><strong>70% Rule Calculator<\/strong><\/a> \u2014 Quick maximum offer screen before pulling comps<\/li>\n<li><a href=\"\/rehab-cost-estimator\"><strong>Rehab Cost Estimator<\/strong><\/a> \u2014 Line-item renovation cost breakdown by room and trade<\/li>\n<li><a href=\"\/hard-money-loan-calculator\"><strong>Hard Money Loan Calculator<\/strong><\/a> \u2014 Total financing cost including points and interest<\/li>\n<li><a href=\"\/house-flipping-profit-calculator\"><strong>House Flipping Profit Calculator<\/strong><\/a> \u2014 Detailed flip P&amp;L with itemized cost tracking<\/li>\n<li><a href=\"\/closing-costs-calculator\"><strong>Closing Costs Calculator<\/strong><\/a> \u2014 Buyer and seller closing costs by state<\/li>\n<li><a href=\"\/capital-gains-tax-calculator\"><strong>Capital Gains Tax Calculator<\/strong><\/a> \u2014 Short-term vs. long-term tax exposure on flip profits<\/li>\n<li><a href=\"\/brrrr-calculator\"><strong>BRRRR Calculator<\/strong><\/a> \u2014 Compare flip vs. buy-rehab-rent-refinance-repeat on the same deal<\/li>\n<li><a href=\"\/real-estate-roi-calculator\"><strong>Real Estate ROI Calculator<\/strong><\/a> \u2014 Annualized ROI comparison across deal types<\/li>\n<li><a href=\"\/calculators\"><strong>All Real Estate Calculators<\/strong><\/a> \u2014 Full calculator hub for investors<\/li>\n<\/ul>\n<p>For deeper reading on the strategies behind these numbers, see our guides: <a href=\"\/blog\/how-to-flip-a-house-beginner-guide\/\">how to flip a house (beginner guide)<\/a>, <a href=\"\/blog\/cost-to-rehab-a-house\/\">how much does it cost to rehab a house<\/a>, <a href=\"\/blog\/after-repair-value-guide\/\">how to calculate after repair value<\/a>, and <a href=\"\/blog\/house-flipping-profit-calculator-guide\/\">how to use the house flipping profit calculator<\/a>.<\/p>\n<p>According to <a href=\"https:\/\/www.nar.realtor\/research-and-statistics\/housing-statistics\/existing-home-sales\" target=\"_blank\" rel=\"noopener noreferrer\">NAR&#8217;s existing home sales research<\/a>, inventory constraints continue to support strong resale prices in many markets through 2026 \u2014 but local conditions vary significantly. Run every deal in the <a href=\"\/fix-and-flip-calculator\">fix and flip calculator<\/a> with current local comp data, not national averages.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"480\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-phoenix-ranch-profit.jpg\" alt=\"Fix and flip calculator Phoenix ranch example showing 18150 profit\" class=\"wp-image-757\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-phoenix-ranch-profit.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-phoenix-ranch-profit-300x160.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-phoenix-ranch-profit-768x410.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Phoenix Ranch Flip: $410K ARV \u2212 all costs = $18,150 profit<\/figcaption><\/figure>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"420\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-vs-brrrr-comparison.jpg\" alt=\"Fix and flip vs BRRRR strategy comparison chart\" class=\"wp-image-758\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-vs-brrrr-comparison.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-vs-brrrr-comparison-300x140.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-vs-brrrr-comparison-768x358.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Fix and Flip vs BRRRR: when to flip vs when to hold<\/figcaption><\/figure>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"400\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-holding-costs-breakdown.jpg\" alt=\"Fix and flip holding costs breakdown\" class=\"wp-image-759\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-holding-costs-breakdown.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-holding-costs-breakdown-300x133.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-holding-costs-breakdown-768x341.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Holding Costs: $2,875\/mo \u00d7 6 months = $17,250 \u2014 the hidden profit killer<\/figcaption><\/figure>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"480\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-atlanta-townhouse-profit.jpg\" alt=\"Fix and flip Atlanta townhouse example showing 20280 profit\" class=\"wp-image-760\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-atlanta-townhouse-profit.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-atlanta-townhouse-profit-300x160.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/fix-and-flip-atlanta-townhouse-profit-768x410.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Atlanta Townhouse Flip: $275K ARV \u2212 all costs = $20,280 profit<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>A fix and flip calculator runs every number a house flipper needs in under 60 seconds: purchase price, rehab budget, holding costs, selling fees, net profit, and ROI. Skip the&#8230;<\/p>\n","protected":false},"author":1,"featured_media":762,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides"],"_links":{"self":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/753","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/comments?post=753"}],"version-history":[{"count":2,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/753\/revisions"}],"predecessor-version":[{"id":761,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/753\/revisions\/761"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media\/762"}],"wp:attachment":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media?parent=753"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/categories?post=753"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/tags?post=753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}