Fix & Flip Deal Analysis Made Easy

The FREE Investor-Grade Fix & Flip Calculator from Coastal Capital Funding.

Run real numbers on your next flip in under 60 seconds. Built by Coastal Capital Funding — Providing Impeccable Service Second to NONE!

TRY THE CALCULATOR APPLY NOW FOR FUNDING
• FREE • INVESTOR-GRADE • ARV + REHAB MATH

How the Fix & Flip Analyzer Works

Five quick inputs. One investor-grade answer. The same math experienced flippers use to walk an offer in — instantly, with no account creation and no spreadsheets.

1

Property

Enter the subject property address, purchase price, and After-Repair Value (ARV).

2

Loan

Set hard-money LTV, interest rate, origination, and closing costs.

3

Rehab

Add the renovation budget plus a 10–15% contingency buffer.

4

Carry

Layer in holding period, taxes, insurance, utilities, and debt service.

5

Profit

See net profit, cash-on-cash return, and ROI in real time as you type.

Why Investors Trust the CCF Fix & Flip Calculator

Most online flip calculators round corners on the inputs that decide whether a deal actually nets a profit. Ours doesn't. Built by a direct private lender, stress-tested against the same fix-and-flip loans we fund every week, with the assumptions a real underwriter will actually use.

The 70% Rule, modernized for today's market

The classic formula — MAO = (ARV × 70%) − Rehab — still works as a sanity check, but it ignores hard-money carrying costs, origination, and closing. Our analyzer surfaces both numbers: the textbook MAO and the real-world MAO after every cost a flipper actually pays.

Hard-money loan structure that mirrors a real quote

Origination, non-lender, and other lender fees are broken out separately. Holding-period interest is computed accurately for both Dutch (interest on the full loan from day one) and Non-Dutch (interest only on the disbursed balance) — because the difference matters when you're comparing lenders.

Real rehab and contingency math

Total rehab budget plus a configurable contingency buffer (10–15% is standard) flow into the carrying-cost model. If your rehab runs long or over-budget, the calculator shows you exactly how that erodes your profit so you know the buffer you need before you sign.

The full deal P&L on one screen

  • Maximum Allowable Offer (MAO) and break-even purchase price
  • Total cash-to-close + total project cost
  • Net profit at sale (after agent fees, transfer tax, capital-gains hold)
  • Cash-on-cash return and annualized ROI

FAQs:

Is this calculator really free?
Completely free. No account creation, no credit card. The only ask is your name, email, and phone when you're ready to unlock the full PDF analysis — so we can introduce ourselves if you ever need hard money for a flip.
What's the 70% Rule? Does it still apply?
The 70% Rule says: MAO = (ARV × 70%) − Rehab. It's a quick sanity check that most experienced flippers still use as a starting point. In hot markets it sometimes loosens to 75%; in deeply distressed deals it tightens to 65%. The analyzer shows the textbook MAO alongside the real-world MAO that backs out hard-money costs — so you know what's truly safe to pay.
What rehab contingency buffer should I use?
10% is standard for cosmetic flips (paint, flooring, fixtures). 15–20% is more realistic for medium rehabs (kitchens, baths, mechanicals). For full guts or additions, plan for 20–25%. The analyzer applies the buffer on top of your stated rehab budget so you see what your actual project cost will look like.
What's the difference between Dutch and Non-Dutch interest?
Dutch: the lender charges interest on the full loan amount from day one, even though rehab funds are drawn over time. Non-Dutch: interest is charged only on the disbursed balance, so you pay less during the rehab phase. Most hard-money lenders are Dutch by default. The calculator handles both so you can stress-test either quote.
Does CCF actually fund fix & flip deals?
Yes — that's why we built this. We fund hard-money acquisition + rehab loans up to 95% LTV for experienced investors (5+ deals in the last 36 months), 90% LTV for 1–4 deals, and 100% rehab funding on most programs. Loan amounts $75K–$2 Million. Apply here to discuss a specific deal.

Built for serious flippers

Whether you're closing your first flip or your fiftieth, this calculator is built around the questions a real hard-money underwriter actually asks.

New Flippers (1–4 deals)

You've done a couple. You're tired of guessing. Use this to walk into your next offer knowing exactly what you can pay and still net a profit.

Active Flippers (5+ deals)

You qualify for our best LTV. Use the analyzer to model multiple deals fast and compare which one pencils strongest before you write the offer.

Wholesalers & Agents

Underwrite deals before you assign or list. Show your buyer the real numbers — not optimistic ones — so the deal actually closes.

Ready to Get Started?

Start your application process by completing our online form.

APPLY FOR FUNDING NOW
Questions first? Call 757-333-HOME (4663) or email info@coastalcapitalfunding.com