Fix-and-flip & bridge loan calculator
What do you need to know first?
A fix-and-flip budget starts with purchase and rehab, then adds financing, carrying and selling costs. Enter your own deal assumptions below to calculate loan-to-cost, loan-to-ARV, cash needed and projected profit or loss. The annual rate is blank until you enter it.
Reviewed by Loan Daddy LLC editorial team · Updated October 21, 2026
What does the project cost?
Enter every field to calculate. Use zero for costs that do not apply; a blank field is not treated as zero. Dollar amounts are in USD.
What will financing and holding cost?
For business-purpose, non-owner-occupied investment property. This planning tool estimates simple interest on the full loan balance throughout the holding period. It does not assess approval or provide a loan offer.
Expected sale price minus purchase, rehab, financing fees, interest, carrying expenses and selling costs. Income taxes are excluded.
Cash needed is costs before sale less loan principal, with a floor of zero. It is not cash to close: staged rehab reimbursements, lender reserves and timing can require additional cash. Loan principal is repaid from sale proceeds and is not counted twice as a project expense.
Ratios are shown as multiples, not lender limits. Purchase and rehab define the cost basis here; lender definitions may differ. Amounts are rounded for display. Change the holding period, rehab budget or expected sale price to test a different outcome.
How should you read the project estimate?
Start with a documented purchase price, a contractor-backed scope and a conservative after-repair value. Loan-to-cost describes how much of the purchase and rehab budget the proposed loan represents. Loan-to-ARV compares that debt with the expected completed value. Neither number is a lender limit or a lending decision.
Projected profit equals expected sale price minus all modeled costs. Principal repayment reduces the cash returned at sale; it is not an additional project expense on top of purchase and rehab. A lower sale price, a longer hold or an overrun reduces the profit, so test those possibilities before committing capital.
Which costs and loan features need a separate review?
The calculator assumes interest-only carrying costs on the full balance, paid over the hold, with no compounding or amortization. A rehab draw schedule may change the interest charged and the cash you must advance. Include known lender, title, inspection, draw, extension and sale costs in your inputs; check minimum interest, reserves, payoff fees and unpaid interest against the actual term sheet. Income taxes are outside this estimate.
For a bridge with no construction, enter zero for rehab. For a rental exit, use the DSCR refinance guide to assess the takeout separately. A future refinance depends on the completed property, verified rent, an appraisal and the takeout lender’s review. Sale-profit arithmetic cannot establish that an exit loan will be available.
What else should you know about this calculator?
What does this fix-and-flip calculator estimate?
It estimates loan-to-cost, loan-to-ARV, simple interest over the holding period, total project costs, cash needed before sale and projected profit or loss. Every result comes from your inputs. It is for a business-purpose, non-owner-occupied purchase or bridge scenario with a sale exit.
How are loan-to-cost and loan-to-ARV different?
Loan-to-cost divides your proposed principal by purchase price plus rehab budget. Loan-to-ARV divides the same principal by your expected after-repair value. The calculator shows multiples rather than program limits. A lender may define eligible costs or value differently.
Why is the annual interest rate blank?
A rate depends on a specific lender and scenario. Enter the annual rate from your quote or your own planning assumption in percent per year. The tool supplies no default rate. Blank inputs stop the calculation, while an explicitly entered zero is accepted where it makes sense.
How does the calculator account for rehab draws and holding costs?
It assumes the full proposed principal is outstanding for the entire holding period and uses simple interest. Monthly non-interest carrying expenses are added separately. Actual rehab draw schedules, interest reserves, minimum interest, extensions and fees may change the result; enter known fees in the financing-cost field and verify the rest against the term sheet.
Does estimated cash needed mean cash to close?
No. It is total costs before sale less proposed loan principal, with a floor of zero. Lender reserves, rehab reimbursements, funded fees and the timing of payments can require more cash. Request a funding schedule and closing estimate for the actual transaction.
Can I use a DSCR refinance as the exit instead of selling?
A DSCR refinance is a separate exit analysis. This tool assumes a sale and does not estimate takeout approval or refinance proceeds. For a rental hold, review verified rent, taxes, insurance, dues, the refinance appraisal, seasoning and the new lender’s requirements before relying on that exit.
Does a positive result mean the loan or investment is approved?
No. A projected profit is arithmetic using your assumptions. It does not verify the property value, construction budget, available financing or borrower eligibility. Loan Daddy LLC is a broker, and any lender decision requires a separate review.
Where can you review the financing and exit options?
Ready to review the project assumptions?
Share the property, purchase price, rehab budget and exit plan so our team can review the scenario and relevant wholesale options.