Finding a property that looks like a great fix & flip opportunity is the easy part.

Figuring out whether it will actually make money?

That’s where things get interesting.

Purchase price and After-Repair Value (ARV) are only the beginning. Financing costs, renovation expenses, closing costs, property taxes, legal fees, broker commissions, transfer taxes and carrying costs can quickly turn what looks like a profitable flip into a very different deal.

That’s why we created the new LoanFunders Fix & Flip Calculator.

Our goal was simple: give real estate investors a practical tool that helps them estimate the true cost and potential profitability of a fix & flip project before committing to the deal.

And it’s completely free to use.

Why We Built a Fix & Flip Calculator

We’ve looked at a lot of real estate investment deals over the years.

One of the biggest mistakes investors can make is looking at a deal too simply:

Purchase Price + Renovation = Cost

Then:

ARV – Cost = Profit

Unfortunately, real-world fix & flip investing doesn’t work that way.

There are financing costs. Origination points. Interest. Property taxes. Insurance and maintenance. Title costs. Legal fees. Transfer taxes. Broker commissions. Appraisals. Filing fees.

Individually, some of these expenses may not look significant.

Together, they can dramatically affect your return.

And with today’s higher financing costs, understanding those numbers before you close is even more important.

Calculate the True Cost of Your Fix & Flip

The LoanFunders Fix & Flip Calculator allows you to enter the important numbers behind your project and see how they affect the deal.

Start with the basics:

• Purchase price
• Expected After-Repair Value
• Loan amount
• Renovation budget
• Expected time to complete and sell the project
• Interest rate
• Origination points

Then go deeper by factoring in expenses investors sometimes overlook, including:

• Mortgage recording tax
• Title insurance
• Transfer tax at sale
• Mansion tax, when applicable
• Broker commission
• Property taxes and maintenance
• Borrower legal fees
• Lender legal fees
• Filing fees
• Appraisal costs
• Legal costs when you sell

You can even account for whether interest is being charged on the full loan principal or only on funded draws.

Once you’ve entered your assumptions, the calculator puts the numbers together so you can get a much clearer picture of the deal.

See Your Projected Profit and Return on Cash

Ultimately, there are two questions every fix & flip investor wants answered:

How much money do I need to put into this deal?

And:

How much could I make?

Our calculator helps estimate both.

You’ll get a Deal Snapshot showing the estimated sale price, acquisition cost, renovation expenses, financing costs, carrying costs, taxes and other expenses.

Most importantly, you’ll see your estimated:

Projected Profit or Loss

Return on Cash

Cash Required in the Deal

Loan-to-ARV

Instead of looking at one or two numbers, you can evaluate the project as a whole.

What Happens If the Rehab Takes Longer?

This is where a calculator becomes especially useful.

A flip that looks great at six months may look very different at nine months.

And nine months may look very different at twelve.

Change your expected project timeline and see what happens.

Increase the renovation budget.

Adjust your expected sale price.

Try a different loan amount.

Change the interest rate.

Increase the broker commission.

You can run different scenarios before you ever make the investment.

That’s important because real estate investing isn’t about making the numbers say what you want them to say.

It’s about asking:

“What happens if I’m wrong?”

If the deal still works with more conservative assumptions, you may have a much stronger opportunity.

High Interest Rates Don’t Mean There Are No Good Deals

We’re hearing a lot about interest rates right now.

Yes, financing is expensive.

But that doesn’t mean profitable real estate deals have disappeared.

Investors are still finding great opportunities.

In some cases, higher rates can actually contribute to those opportunities by reducing competition, creating more motivated sellers and giving buyers additional negotiating power.

That’s why focusing exclusively on the interest rate can be a mistake.

The more important question is:

Does the deal work at today’s rate?

If you can purchase a property at the right price, control your renovation costs, complete the project efficiently and have enough margin between your total investment and realistic resale value, the deal may still make excellent financial sense.

Our Fix & Flip Calculator lets you test exactly that.

Plug in today’s financing costs.

Don’t pretend rates are lower.

Don’t assume everything goes perfectly.

Use realistic numbers and see whether the opportunity still makes sense.

Already in the Middle of a Project? We Built Something for You Too.

Not every investor evaluating a deal is starting from day one.

Sometimes you’re already in the project.

Maybe the renovation is partially complete. Maybe your existing financing is becoming expensive. Maybe your original loan is approaching maturity. Or perhaps you simply want to explore refinancing the project before it’s finished.

That’s why our calculator also includes a Mid-Construction Refinance option.

You can factor in items such as your existing loan payoff, capital already invested into the project, remaining renovation budget and financing costs to help evaluate where you stand today.

It’s another way to look beyond the original plan and evaluate the project based on its current numbers.

Run the Numbers. Then Send Us the Deal.

We didn’t build this calculator to tell you whether you should buy a property.

We built it to help you ask better questions before you do.

Use it when you’re analyzing a new opportunity.

Use it when you’re negotiating with a seller.

Use it to compare two potential projects.

Use it to stress-test a deal.

Or use the Mid-Construction Refinance option to take another look at a project that’s already underway.

Try the Free LoanFunders Fix & Flip Calculator

https://loanfunders.com/fix-flip-calculator

And if the numbers work, let’s talk about the financing.

LoanFunders offers Fix & Flip financing for 1–4 unit properties, mixed-use properties and 5+ unit multifamily projects, with financing structures designed for real estate investors.

Have a deal you’re working on?

📞 718-635-2377
✉️ george@loanfunders.com

Run the numbers. Know your costs. Understand your potential return.

Then go find the next deal.

Calculator results are estimates only. Actual costs vary based on property location, lender program, closing date and other factors. Calculator results are not financial advice or a commitment to lend. Business-purpose loans only. All loans are subject to underwriting and approval.