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Fix & Flip / BRRRR Calculator

Model a flip or a BRRRR (Buy, Rehab, Rent, Refinance, Repeat), profit, ROI, the 70% rule, cash-out at refinance, and how much you leave in the deal.

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70% Rule ✗ Over

Max allowable offer = (ARV × 70%) − rehab

Max Offer

$255,000

$44,140

After all costs and 8.0% selling costs.

ROI on Cash

33.5%

Annualized ROI

66.9%

Purchase Price$280,000
Rehab Budget$60,000
Purchase Closing$8,400
Loan Points$4,760
Loan Interest (carry)$11,900
Holding Costs$4,800
Selling Costs$36,000
Total Cost$405,860
Sale Price (ARV)$450,000
Cash Invested$131,860

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Estimates for educational purposes only. Hard-money terms, rehab costs, ARV, and refinance terms vary by lender and market. Not investment, lending, or tax advice.

How the fix and flip and BRRRR calculator works

This tool runs two investor strategies. For flips it applies the 70% rule: max offer = (after-repair value x 0.70) - repair costs, then estimates profit and ROI. For BRRRR (buy, rehab, rent, refinance, repeat), it models a cash-out refinance against the ARV to show how much of your capital you can pull back out.

With a $450,000 ARV and $60,000 in repairs, the 70% rule caps your offer at $255,000 ($315,000 - $60,000). Buy at $300,000, spend $60,000 on repairs, and add $40,000 in holding and selling costs, and a $450,000 sale nets about $50,000. A 75% refinance instead returns $337,500 in cash.

South Florida's older housing stock and strong resale demand make both strategies viable, but thin margins punish overpaying. The 70% rule enforces discipline on your offer, and the BRRRR refinance math shows whether you can recycle capital into the next deal. Running the numbers first keeps a promising flip from turning into a loss.

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