Calculator Inputs
Example Data Table
| Scenario | ARV | Repairs | Rule | Assignment Fee | Estimated MAO |
|---|---|---|---|---|---|
| Light Rehab | $220,000 | $18,000 | 70% | $10,000 | $111,200 |
| Medium Rehab | $250,000 | $35,000 | 70% | $12,000 | $106,700 |
| Heavy Rehab | $310,000 | $62,000 | 68% | $15,000 | $113,300 |
Formula Used
Total Repair Budget
Repair Cost + Repair Contingency
Base Rule Offer
(ARV × Investor Rule %) - Total Repair Budget
Maximum Allowable Offer
Base Rule Offer - Closing Costs - Selling Costs - Holding Costs - Financing Costs - Buyer Profit Target - Assignment Fee - Other Costs
Buyer Projected Profit
Net Resale Proceeds - Contract Price - Assignment Fee - Repairs - Closing Costs - Holding Costs - Financing Costs - Other Costs
Wholesaler Net Profit
Assignment Fee - Marketing Cost - Other Costs
How To Use This Calculator
- Enter the estimated after repair value of the property.
- Add the seller contract price or expected purchase price.
- Enter repair costs and a contingency percentage.
- Add assignment fee, closing costs, selling costs, and holding costs.
- Set the buyer profit target and investor rule percentage.
- Press the calculate button to review the deal result.
- Download the result as CSV or PDF for records.
Real Estate Wholesale Deal Analysis
Why Wholesale Math Matters
Real estate wholesaling depends on buying deep enough. The buyer must see a clear path to profit. The seller price must also leave room for repairs, fees, and market risk. A simple spread is not enough. A strong wholesale deal needs clean numbers from the start.
Understanding The Offer Limit
The maximum allowable offer is the highest price a wholesaler can usually pay. It begins with the after repair value. Then it applies an investor rule, such as seventy percent. Repairs are removed next. Extra costs are also deducted. These may include closing costs, holding costs, financing charges, selling costs, and the assignment fee.
Protecting The End Buyer
A cash buyer needs a real margin. They may face repair delays, permit issues, price changes, or higher loan costs. This calculator includes a buyer profit target. That target helps protect the investor. It also helps the wholesaler present a deal with confidence.
Reviewing Your Assignment Fee
The assignment fee is the wholesaler’s gross revenue. Yet it is not always net profit. Marketing, earnest money, transaction costs, travel, photos, title fees, and lead costs can reduce the final amount. This tool subtracts marketing and other costs to show a cleaner estimate.
Using Results In Real Deals
Use the result as a planning guide. Compare the maximum allowable offer with your contract price. A positive spread can show room in the deal. A negative spread can mean the offer is too high. Always confirm values with local sales, contractor estimates, and title company figures before signing.
Frequently Asked Questions
1. What is a real estate wholesale calculator?
It estimates offer limits, assignment profit, buyer profit, repair budgets, and total deal costs. It helps wholesalers check whether a property has enough margin before assigning the contract.
2. What does ARV mean?
ARV means after repair value. It is the expected resale value after the property is repaired and ready for sale.
3. What is maximum allowable offer?
Maximum allowable offer is the highest safe purchase price. It subtracts repairs, fees, costs, buyer profit, and assignment fee from the target value.
4. Why include repair contingency?
Repair costs often change during inspection or renovation. A contingency adds a safety buffer for hidden damage, labor changes, or material price increases.
5. Is assignment fee pure profit?
No. Marketing, lead generation, travel, title charges, and transaction costs can reduce it. The calculator estimates net wholesaler profit after selected expenses.
6. What investor rule should I use?
Many investors start near seventy percent of ARV. Strong markets may allow more. Risky markets, heavy repairs, or slow sales may require less.
7. Can this replace professional advice?
No. It is an estimating tool. Confirm values with agents, contractors, lenders, title companies, and local legal professionals before closing or assigning any deal.
8. Why is my deal marked weak?
The contract price may exceed the calculated offer limit. It may also leave too little buyer profit after repairs, fees, holding costs, and selling costs.