🏚️
Fix & Flip Calculator 2026
by Xcel Funding
Total Costs
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Sale Price (ARV)
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Total Profit
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Return on Cost
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Total Rehab
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Holding Costs
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Selling Costs
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🏠 Property Info
📋 Purchase Costs
$
%
$
$
Loan + Rehab (if rolled into loan)
$
Points on Total Loan (incl. Rehab if toggled)  ·  ↺ Reset to auto
$
$
$
🔨 Total Rehab Budget
$
Sum of detailed costs below  ·  ↺ Reset to auto
🏦 Loan Details
%
pts
$
Purchase × Rate ÷ 12  ·  ↺ Reset to auto
Roll Rehab into Loan
I/O payment based on Purchase + Rehab
📅 Monthly Holding Costs
$
Price × 1.25% ÷ 12  ·  ↺ Auto
$
Price × 0.33% ÷ 12  ·  ↺ Auto
$
$
$
Total Holding Costs
Monthly costs × 0 months + loan points
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🏷️ After Repair Value (ARV)
$
💰 Selling Costs
%
$
Sale Price × Rate  ·  ↺ Reset to auto
$
$
$
$
$
General / Setup
$0
Structural / MEP
$0
Interior / Finish
$0
Total Rehab
$0
🗑️ General & Setup
$0 ▼
Permits
$
Demo & Junk Removal
$
Dumpster
$
Temporary Utilities
$
Misc. / Contingency
$
🪵 Framing & Structural
$0 ▼
All-in (labor + materials)
Framing / Lumber
$
Foundation / Structural
$
Drywall (incl. labor)
$
Insulation
$
🏗️ Roofing & Exterior
$0 ▼
All-in (labor + materials)
Roof Replacement
$
Roof Repair / Maintenance
$
Gutters
$
Siding
$
Windows (incl. install)
$
Exterior Doors (incl. install)
$
Garage Door(s) (incl. install)
$
Decks / Porches
$
Landscaping / Grading
$
Termite Treatment
$
🔧 Rough Plumbing
$0 ▼
All-in (labor + materials)
Rough Plumbing
$
Finish Plumbing
$
Water Heater (incl. install)
$
⚡ Electrical
$0 ▼
All-in (labor + materials)
Rough Electrical
$
Finish Electrical
$
Panel / Service Upgrade
$
Light Fixtures (incl. install)
$
Ceiling Fans (incl. install)
$
Switches, Outlets & Plates
$
🌡️ HVAC
$0 ▼
All-in (labor + materials)
HVAC Rough
$
HVAC Finish / Equipment
$
Mini-Split System(s)
$
🍳 Kitchen
$0 ▼
All-in (labor + materials)
Cabinets (incl. install)
$
Countertops (incl. install)
$
Backsplash (incl. install)
$
Kitchen Sink & Faucet (incl. install)
$
Garbage Disposal (incl. install)
$
Appliance Pkg (incl. install)
$
🛁 Bathrooms
$0 ▼
All-in per bathroom (labor + materials) — each bath calculated independently
🪵 Flooring
$0 ▼
All-in (labor + materials)
Carpet (incl. pad & install)
$
Hardwood (incl. install)
$
LVP / Vinyl (incl. install)
$
Tile (incl. install)
$
🎨 Interior Finish & Paint
$0 ▼
All-in (labor + materials)
Interior Paint (incl. labor)
$
Interior Doors (incl. install)
$
Door Hardware / Knobs
$
Trim & Molding (incl. labor)
$
Window Treatments / Blinds
$
Closet Systems
$
Final Clean
$
🧺 Laundry
$0 ▼
Washer / Dryer
$
Total Profit
—
Return on Cost
—
70% Rule MAO
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Profit / Sq Ft
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PURCHASE COSTS
Purchase Price—
Closing Costs—
Inspection(s)—
Appraisal(s)—
Lawyer / Survey—
Purchase Subtotal—
REHAB COSTS
General & Setup—
Framing & Structural—
Roofing & Exterior—
Rough Plumbing & Water Heater—
Electrical—
HVAC—
Kitchen (incl. sink & disposal)—
Bathrooms (per bath detail)—
Flooring—
Interior Finish & Paint—
Laundry—
Rehab Subtotal—
HOLDING COSTS (0 months)
I/O Mortgage (10.25%)—
Loan Points (3%)—
Property Taxes—
Insurance—
Utilities—
Holding Subtotal—
SELLING COSTS
Agent Commission—
Buyer Home Warranty—
Termite Letter—
Buyer's Closing Costs—
Seller's Closing Costs—
Staging—
Selling Subtotal—
TOTAL ALL-IN COST—
SALE PRICE (ARV)—
NET PROFIT—