Enter your purchase price and rehab budget. Calculate your After Repair Value (ARV) and the maximum offer using the 70% rule used by professional fix and flip investors.
Get a Rate Quote →ARV (After-Repair Value) Calculator — Estimate the value of a property after planned renovations. ARV is critical for fix & flip loan sizing (typically 70-75% LTARV cap) and BRRRR refinance modeling.
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The After Repair Value (ARV) is the estimated value of a property after renovations are complete. It is the most important number in a fix and flip deal — it determines what you can pay for the property and still profit.
This calculator uses the 70% Rule — a fix and flip industry standard that says your maximum offer should be no more than 70% of the ARV minus rehab costs. This leaves room for closing costs, holding costs, agent commissions, and your profit margin.
What the property will sell for after renovations
Total renovation budget
Lower percentage = more conservative offer with bigger profit margin
If you know the seller's asking price, we'll tell you if the deal works
ARV stands for After Repair Value — the appraised market value of a property once renovations are complete. It is the foundation of every fix and flip deal. Buy too high, and you have no profit. Buy at the right ARV-based offer, and you have margin for the unexpected.
The 70% Rule is the most-cited heuristic in the fix and flip world: Maximum Allowable Offer (MAO) = (ARV × 70%) − Rehab Costs. The 30% gap covers your profit, holding costs, closing costs, agent commissions, and unexpected overruns.
| Scenario | Recommended Rule | Why |
|---|---|---|
| First-time flipper | 65% Rule | More margin for inevitable mistakes and learning curve |
| Experienced flipper, stable market | 70% Rule | Industry standard — safe profit margin built in |
| Hot market with rapid appreciation | 72-75% Rule | Markets like Austin or Tampa may justify higher offers |
| Distressed property in declining market | 60-65% Rule | Add cushion for further price drops |
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ARV stands for After Repair Value. It is the estimated market value of a property after renovations are complete. ARV is the foundation of every fix and flip deal — it determines what you can pay for the property and still profit.
The 70% rule states that a fix and flip investor's maximum offer should be no more than 70% of the After Repair Value minus rehab costs. This 30% gap covers profit, holding costs, closing costs, agent commissions, and unexpected overruns.
Maximum Allowable Offer (MAO) = (ARV × 70%) − Rehab Costs. For example, on a $300,000 ARV with $40,000 rehab: ($300,000 × 0.70) − $40,000 = $170,000 max offer.
Use 65% for first-time flippers (more margin for mistakes), 70% for experienced flippers in stable markets (industry standard), and 72-75% only in hot, rapidly appreciating markets. Conservative is better — you can always go higher, but you cannot recover from overpaying.
The math is exact. The accuracy of your result depends on the accuracy of your ARV estimate. Pull recent comps within half a mile, sold in the last 90 days, with similar bed/bath count and finishes that match your renovation plan. Be conservative with ARV — better to underestimate than overestimate.