Max Allowable Offer (MAO) Calculator - Coastal Capital Funding

Max Allowable Offer (MAO) Calculator

Deal Inputs

Fill out the property and deal assumptions, then unlock results.

Mode:

Street Address

City

State

Zip

After Repair Value (ARV)

Rehab Budget

Desired Profit Type

Desired Profit Input

Selling Costs (% of ARV) (usually 4%-8%)

Holding Period (months until loan is paid off)

Rehab Contingency

Institutional Formula
MAO = ARV − Rehab − Contingency − Selling Costs − Holding Costs − Financing Costs − Desired Profit

Holding Cost Estimator

Estimate holding costs automatically or override manually.

Mode:

Annual Property Taxes

Monthly Amount: $0

Annual Insurance

Monthly Amount: $0

Monthly HOA

Monthly Utilities

Monthly Maintenance / Misc.

Est. Monthly Holding

Hold Months

Est. Total Holding

Financing Cost Estimator

Interest cost preview uses the Actual Purchase Price field. Results-section loan amount, down payment, and cash to close are based on the MAO result so the numbers are consistent.

Mode:

Actual Purchase Price (deal comparison only)

Purchase Price LTV

Interest Rate

Lender Origination Fee

Non-Lender Costs (% of total loan amount)

Interest Type

Est. Loan Amount

Est. Origination Fee

Est Interest Costs

Est Non-Lender Costs

Est. Total Financing

Step 2: Unlock results

Enter your contact information below, then unlock results. After unlock, results update live when inputs change.

Full Name

Cell Phone

Locked mode: unlock results. After unlock, results update live.

Results Locked

Complete Step 2 Below

Enter your name, email, and cell phone in Step 2 at the bottom, then click Unlock Results.

Property address will appear here

MAO

Projected Profit at MAO

Gross Margin on ARV

0.0%

Total Loan Amount

Est. Down Payment

Est. Cash to Close

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Calculation Summary

MAO Calculator Logic

Desired profit can be set as a percentage of ARV or as a dollar amount.
Annual taxes and insurance show monthly equivalents below each field.
Interest type distinguishes Dutch vs Non-Dutch interest directly in the dropdown.
Est. Cash to Close is calculated as Down Payment + Origination Fee + Non-Lender Costs, all based on the MAO result.
Interest cost is based on loan amount, interest rate, and holding period. Dutch interest charges on the full loan amount from day one, while Non-Dutch interest charges only on funds actually disbursed over time.