Flip ROI Calculator

Estimate net profit, ROI, and (when financed) cash-on-cash return for a flip. Auto-calculates as you type. Assumes interest-only payments in loan mode.

Loan fields appear only when “Loan” is selected.

Inputs

Numbers only. No negatives.

Purchase & Project

Costs during the project
Contract price to buy the property.
Title, attorney, lender admin, etc. Default 0.
Planned rehab spend before contingency.
Applied to renovation budget. Default 10%.
From purchase to sale closing.
Utilities, taxes, insurance, etc. Excludes loan interest (counted separately in loan mode).

Sale / Exit

What you sell for
Expected sale price (ARV).
Agent commissions + seller closing costs. Default 8%.

Loan Details

Only in loan mode
Percent of purchase price paid in cash. Default 20%.
Annual interest rate. Default 9%.
Default = holding period. Interest is calculated over holding period regardless.
Upfront points at closing. Default 2%.
Flat lender fees. Default 0.
Both methods produce the same total interest; payment timing differs.
If checked, rehab principal is added to the loan payoff and interest is calculated on the combined principal.
Rehab financing model used here: Loan Payoff = Purchase Loan Principal + Rehab Loan Principal, and interest is calculated on the combined principal over the holding period. This keeps the math simple and avoids double-counting.

Fix these inputs

    Tip: If you want the ROI denominator to be “total project costs” instead of “cash invested,” change it in the code where noted. This widget intentionally uses cash invested so ROI makes sense when leverage is used.