🏚️
Fix & Flip Calculator 2026
by Xcel Funding
Total Costs
Sale Price (ARV)
Total Profit
Return on Cost
Total Rehab
Holding Costs
Selling Costs
🏠 Property Info
📋 Purchase Costs
$
$
$4,500 + Loan Points  ·  ↺ 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
🏷️ 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
Profit / Sq Ft
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