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 →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 |
Have a deal that pencils out using the ARV calculator? Get pre-approved with LendingStreet. We finance up to 90% LTC purchase + 100% rehab on fix and flip projects, close in 5-10 days, and work with first-time flippers.
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