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Flip & Investment Calculator

Property Address

About These Estimates

Light — $40/sqft
Paint, flooring, fixtures, basic landscaping, hardware, appliance replacement and minor repairs.
Medium — $90/sqft
Investor-grade kitchen and bathrooms, flooring, paint, fixtures, appliances, limited windows and minor electrical or plumbing work.
Heavy — $150/sqft
Complete kitchen and bathrooms, windows, HVAC, electrical and plumbing upgrades, drywall, substantial repairs and limited layout changes.
Full Gut — $225/sqft
Studs-out interior renovation, new plumbing, electrical, HVAC, insulation, drywall, windows, kitchen, bathrooms and permitted layout changes.

What's Included in Ownership Cost

Estimated Property Taxes — 1.25%
Based on the Los Angeles County effective property tax rate.
Home Insurance
Hazard / builder's risk coverage for a vacant property under renovation.
Utilities
Electric, water, gas and trash service kept active during the rehab.
HOA Fee (If Added)
Included only if you select "Add HOA Fee" above and enter a monthly amount. Defaults to No HOA.
Financing Not Included
Hard Money Interest Cost is a real financing cost shown as its own line item below — it isn't part of this estimate.

What Is Minimum Working Capital?

Draws Are Reimbursements
Under Purchase + Rehab Financing, the lender releases rehab funds through construction draws as work is completed and inspected — not upfront.
You Front the First Phase
Contractors are typically paid before a draw is reimbursed, so you need cash on hand to cover that gap.
This Estimate
A reserve equal to your selected % of the approved rehab budget, as a starting-point estimate of that gap.

What Is Working Capital Reserve %?

An Adjustable Estimate
The share of your approved rehab budget you'd need on hand to front the first construction phase before the lender reimburses you through a draw.
Doesn't Change the Deal
This percentage only affects the Return on Investment % shown below. It has no effect on Suggested Purchase Price, Estimated Investor Profit, Total Cost Breakdown, or any loan amount on this page.
Choose What Fits Your Lender
10–20% covers most single-phase draw schedules — adjust based on your lender's actual draw structure.

Hard Money Loan Programs

Purchase Only
The hard money loan finances only the purchase of the property. All renovation costs are paid by the borrower and are included in the required cash investment.
Purchase + Rehab Financing
The hard money loan finances the purchase and the approved renovation budget. Renovation funds are released through construction draws as work is completed. The borrower may still need temporary working capital until draw reimbursements are received.
Purchase Price $0.00
ROI 0%
Estimated Profit $0.00
Investor Tools

Flip & Investment Calculator

Estimate rehab cost, hard money financing, carrying cost, and projected return for your next fix-and-flip project. Adjust any field below — every number updates live.

Property Details
After Repair Value (ARV)
Square Footage
ARV / SQFT
$0.00
Rehab Cost
Rehab Type
Est. per SQFT
$0.00
Rehab Estimate
$0.00
Roof Replacement
Roof Replacement
ADU / Garage Conversion
ADU / Garage Conversion
Pool
Pool
Hard Money / Carry Cost
Hard Money Loan Program
Length of Project & Hard Money Loan Term
Purchase Loan / Down Payment
Hard Money Interest Rate
Loan Origination Fee
HOA Fee
Monthly Ownership Cost (Loan Not Included)
$0.00
Total Ownership Cost
$0.00
Monthly Loan Payment (Interest Only)
$0.00
Total Hard Money Interest Cost
$0.00
Loan Origination Fee Cost
$0.00

Ownership Cost (tax, insurance, utilities and HOA if added) is shown for reference; the interest-only loan payment, its total, and the origination fee are the real financing costs and are deducted from the offer.

Selling Commissions
Listing Agent %
Listing Agent Value
$0.00
Buying Agent %
Buying Agent Value
$0.00
Escrow, Title & Transfer — 1.0%
$0.00
Investor's Profit
Minimum Profit %
Suggested Purchase Price
$0.00
Purchase-price ceiling, after rehab, financing, selling costs & target profit.
0%
Return on Investment
$0
Renovation Cost
$0
Down Payment
$0
Total Hard Money Loan
Estimated Investor Profit
$0.00
Target profit built into this deal at the selected minimum profit %.

This calculator provides a rough estimate for planning purposes only and does not constitute financial, legal, or investment advice. Actual rehab costs, financing terms, and market value can vary. Talk to Simone for a detailed opinion on any specific property.

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