Fix & Flip Analyzer – CDealAnalyzer

Acquisition & Financing

What you're paying to get in — purchase price, loan terms, and what it costs to carry the property while you rehab

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CDEAL

Let's start with what it costs to get in the door.

Property Address

Listing Link (Zillow / Redfin)

Open Google Maps

Purchase Price ($)

Down Payment (%)

Down Payment ($)

Financing Type

Loan Amount (auto)

Annual Interest Rate (%)

Purchase Closing Costs ($) Using estimate

Using estimate (2.5% of purchase price). Starter estimate only. Actual closing costs vary by lender, location, and deal structure.

Closing Cost Treatment

cash = added to Cash to Close; financed = added to loan amount

Monthly Property Taxes ($) Using estimate

Starter estimate only. Taxes vary by town and assessment. If you know the real annual tax bill, replace this number.

Monthly Insurance ($) Using estimate

Starter estimate only. Insurance depends on property type, age, condition, location, and coverage. Replace with a quote if available.

Hold Period (months)

Other Holding Costs / Month ($)

utilities, HOA, lawn, snow, misc

Total Purchase Basis

Purchase price + closing costs

Loan Amount

Financed acquisition amount

Financing Cost

Acquisition loan interest over hold period

Monthly Carrying Cost

Monthly hold burden including financing

Total Carrying Cost

Total monthly carry × hold period

Cash to Acquire

Cash required to close the acquisition

Monthly Hold Cost

Interest —

Taxes —

Insurance —

Rehab Budget

Every dollar of renovation work, line by line — because overruns here kill margin

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CDEAL

Now the work — let's see what the rehab looks like.

Rehab Budget Breakdown

Item	Cost ($)
Kitchen
Bathrooms
Roof / Exterior
HVAC / Electrical / Plumbing
Flooring / Paint / Misc
Total Rehab (auto-sum)	$50,000

Contingency (% of rehab)

Contingency Amount

Total Rehab (Before Contingency)

Final Rehab Total

Rehab Breakdown

Kitchen —

Bathrooms —

Roof / Exterior —

HVAC / Elec / Plumb —

Flooring / Paint / Misc —

Contingency —

Capital Stack

Where the money comes from — your cash, your loan, and the total capital at risk

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Purchase Price

Loan Amount

Total Cash Invested
(Cash to acquire + rehab + carrying costs)

All-In Cost

Resale / Project Assumptions

What you're betting the property sells for — ARV, selling costs, and your exit math

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CDEAL

Now the exit — what you're betting this sells for.

ARV — After Repair Value ($)

Selling Costs (% of ARV)

≈ $0

CDEAL

Selling costs at 0% assume a clean close with standard agent fees. Double that buffer if the market cools — DOM rising and price reductions show up here first.

Results & Analysis

The numbers that tell you whether this flip actually works

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CDEAL

Here's what the deal actually is — no fluff, just the numbers.

Project Snapshot

Purchase, total project cost, and projected profit.

Purchase Price

All-In Cost

ARV$0

− Selling Costs (8.0%)$0

= Net Sale Proceeds$0

− All-In Cost$0

Net Profit

Breakeven Sale Price: $0

Underwriting Metrics

Key performance ratios for this deal.

ROI on Capital

Profit Margin (ARV)

Break-Even (%)

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% of ARV needed to cover all costs

Break-Even ($)

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Sale price where profit = $0

Risk & Verdict

The final call — what this deal gets right, what could break it, and whether the margin holds

Deal Breakdown

Revenue
After Repair Value (ARV)	$0
Acquisition
Purchase Price	$0
Purchase Closing Costs	$0
Total Acquisition	$0
Rehab
Rehab Budget	$0
Contingency	$0
Total Rehab	$0
Holding & Financing
Holding Costs	$0
Financing Cost During Hold	$0
Total Hold & Finance	$0
Pre-Sale Subtotal	$0
Selling Costs
Selling Costs (8.0% of ARV)	$0
Total All-In Cost	$0
Net Profit	$0

Project Returns

Net Sale Proceeds —

All-In Cost —

Net Profit —

CDEAL

Net Profit of $0 is 0% of ARV. Under 10% is too thin for a flip — no cushion for surprises. 10–15% is workable. Above 15% is where the deal has real margin.

Stress Test

What happens when things go wrong — ARV drops, rehab overruns, hold stretches, sell costs climb

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CDEAL

This is stress testing — the real underwriting discipline. Shock the deal with bad scenarios and see what survives.

CDEAL

The six scenarios below model the most common flip killers: appraisal shortfall, rehab overrun, longer hold, rising sell costs. If the deal still profits under all of them, you have real margin. If any one scenario kills it, you're betting everything goes right.

CDEAL

Every stress scenario above still shows profit. That's what margin looks like — the deal survives bad news. If any single scenario turned red, that's your signal to renegotiate price, cut rehab scope, or walk.

📚 Terms & Definitions — Fix & Flip

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ARV — After Repair Value

The estimated market value of the property after all renovations are complete. This is the number everything else is built on — if your ARV is wrong, your entire deal is wrong.

MAO — Maximum Allowable Offer

The highest price you can pay for a property and still hit your profit target. Formula: (ARV × 70%) minus rehab costs.

The 70% Rule

A quick filter used by flippers: never pay more than 70% of ARV minus rehab. It builds in your profit margin and a buffer for surprises.

Rehab Budget

The total cost of all repairs and renovations needed to bring the property to its ARV condition. Always add a 10-15% contingency — surprises are guaranteed.

Holding Costs

The monthly expenses you pay while you own the property during rehab — mortgage/hard money interest, taxes, insurance, utilities. Every extra month eats your profit.

Closing Costs

Fees paid at purchase and sale — title, transfer taxes, agent commissions, lender fees. Budget 2-5% of purchase price on the buy side and 6-8% of sale price on the sell side.

Profit Margin

The dollar amount left after subtracting all costs (purchase, rehab, holding, closing) from the sale price. Target a minimum of $25,000-$30,000 for the risk to be worth it.

ROI — Return on Investment

Profit divided by total cash invested, expressed as a percentage. A 20%+ ROI is generally considered strong for a fix and flip.

Flip Deals Without Surprises

Project Snapshot

Underwriting Metrics

Risk & Verdict

Don't guess on your next deal.