Investment Property Calculator

Motto Mortgage Thrives | NMLS# 2486184

Analyze your next fix & flip, rental, or BRRRR deal. Enter your numbers and see estimated loan amounts, cash needed, and projected returns.

Fix & Flip: 0
DSCR Rental: 0
BRRRR: 0

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Fix & Flip Loan Calculator

Typical Fix & Flip Rates
10% – 13%
Bridge loans, 6–24 month terms, interest-only payments
Property Details
Borrower Info
Down Payment & Loan ?Down Payment: Your cash into the deal.
Max LTC: 90% of cost (credit dependent).
Max LTV: 75% of ARV.
Loan limited by the lower of LTC or LTV.
10% of total cost
0%25%50%
Your Loan Amount
$315,000
LTC: 90%
LTV: 60%
Loan Terms
6 months
3 mo6 mo9 mo12 mo
Closing Costs ?Based on loan amount:
• Lender fees/points: ~3%
• Attorney/title: ~1-1.5%
• Prepaid insurance: included
• Recording/misc: ~0.5%
4.5% of loan
0%3.5%7%
~3% lender fees/points • ~1.5% title/attorney/other
Holding Costs (Monthly)
Estimated Costs at Sale ?Typical breakdown:
• Agent commission: 5-6% (co-op + listing)
• Attorney/title: ~0.5%
• Transfer taxes/recording: ~0.5%
• Prorated property taxes: varies
$42,000 (8%)
6%8%10%
~5-6% agent (co-op + list) • ~0.5% attorney/title • ~1-2% taxes/other
Deal Rating
Good Deal
25% ROI
💡 What does this mean?

Based on your numbers, for every $1 you invest, you'd get back $1.25. That's a solid return for a fix & flip!

Loan Summary
Cash Required to Close
Profit Analysis
Expand Full Cost Breakdown
ROI Guidance:
40%+ Excellent 25-40% Good 15-25% Fair <15% Risky
💰 Interest Note for Experts

Interest is calculated on the full loan amount for simplicity. In practice, rehab funds are disbursed in draws as work is completed — your actual interest cost may be 20-40% lower.

Key Terms Explained

LTC (Loan-to-Cost): How much of your total project cost (purchase + rehab) the lender will finance.

LTV (Loan-to-Value): Loan amount as a percentage of the property's after-repair value. Capped at 75%.

ARV (After Repair Value): What the property will be worth after all renovations are complete.

Borrower Points: Upfront fee paid to the lender, calculated as a percentage of the loan amount.

ROI (Return on Investment): Your profit divided by your cash invested.

Bridge Loan: Short-term financing (6-24 months) used to "bridge" the gap until you sell or refinance.