Deal Calculator

Use the calculator below for a quick preliminary estimate, then download the ACP-branded forms to organize the information needed for a financing review.

ACP Deal Calculator

Estimate potential leverage and carrying costs for a bridge, fix-and-flip, or ground-up construction project.

Property—

Borrower—

Estimated ARV—

ARV Applied—

ARV Advance—

Estimated Purchase Price—

Estimated Repairs—

Annual Interest Rate—

Prepared—

12-month term · Interest-only payments

Estimated Purchase Price

Estimated Repairs / Construction Budget

Estimated ARV

ARV Limit (%) 70% standard; 75% at Preferred and Maximum tiers — enter the advance you are underwriting to

Annual Interest Rate (%)

Property State

Leverage Type

Annual Property Taxes

Annual HOA (if applicable)

Estimated Lender Origination Fee (%) Varies by deal — enter a figure to model, or leave blank

Lender fees — ACP standard figures applied

Processing Fee Flat lender fee; edit if your quote differs

Underwriting Fee Flat lender fee; edit if your quote differs

Appraisal Fee Enter 0 if none

Credit Report Fee Enter 0 if none

Third-party settlement costs — typical figures applied

Hazard Insurance One-year premium, prepaid at closing and collected by the lender. Also used as the annual premium on the rental comparison below

Flood Insurance (if applicable) One-year premium, prepaid at closing. Enter 0 if none

Title Insurance Third-party cost, typically rolled into the financing request

Escrow Fee Enter 0 if none

Recording Fee Enter 0 if none

HOA Transfer Fee Enter 0 if none

Survey Fee Enter 0 if none

Misc 1 Any additional settlement cost; enter 0 if none

Misc 2 Any additional settlement cost; enter 0 if none

Credits — earnest money, option money, tax proration

Credit — Earnest Money, Option Money, Tax Proration Money already paid by the borrower and credited back at closing. Reduces cash due at the table, not total cash invested

Client-approved broker fees — none applied

Client-Approved Broker Origination Fee (%) % of the loan amount, typically 1–3%; enter 0 if none

Client-Approved Broker Closing Fee ($) Flat fee set by the client’s own broker; enter 0 if none

Exit assumptions — 6 months to sell, 7% selling costs applied

Estimated Months to Sell Expected hold period before resale

Estimated Selling Costs (%) Agent commission, closing costs — typically 6-8%

Preliminary Calculations

LTC Limit 90% of purchase + 100% of renovation—

ARV Applied —

Estimated Maximum Loan with No Surplus—

Lender Origination Fee —

Processing Fee—

Underwriting Fee—

Prepaid Interest Collected at closing, so the monthly carry below runs one month shorter. Total interest over the hold is unchanged.—

Appraisal Fee—

Credit Report Fee—

Hazard Insurance One-year premium prepaid at closing and collected by the lender. Counted here only — it is not also charged in the monthly carry.—

Flood Insurance (if applicable)—

Title Insurance Not a lender fee — included here because title costs are typically rolled into the financing request.—

Escrow Fee—

Recording Fee—

HOA Transfer Fee—

Survey Fee—

Misc 1—

Misc 2—

Credit — Earnest Money, Option Money, Tax Proration—

Total Closing Costs Net of credits — deducted from loan proceeds before the purchase price—

Amount Available for Purchase Price—

Purchase Price—

Cash Due from Client at Closing—

Client-Approved Broker Origination Fee—

Client-Approved Broker Closing Fee—

Total Broker Fees Paid to the client’s own broker, not to the lender—

Total Cash Due at Closing Lender plus the client’s own broker—

Monthly Interest-Only Payment—

Monthly Taxes & HOA—

Estimated Monthly Carry—

Borrower & property — required to submit

Est. Credit Score

Flips/Rentals, Last 36 Months

Property Address

Borrower Name

Phone

Est. Liquid Funds

Preliminary estimate only. Actual leverage, fees and terms depend on lender underwriting and program guidelines. Not a commitment to lend.

Liquidity required

Six Months Carrying Cost Interest-only payment plus 1/12 of annual taxes—

One-Third of Repair Budget—

Total Liquidity Required—

Liquidity is what the borrower needs to be able to show in reserves to carry the project. It is separate from, and in addition to, the cash due at closing above.

Estimated Borrower Profit

Estimated Resale Price (at ARV)—

All-In Project + Financing Costs—

• includes total closing costs Origination, lender fees and third-party settlement costs, before credits—

Estimated Holding/Carrying Costs Monthly carry across the hold, less the first month already prepaid at closing—

Estimated Selling Costs—

Estimated Net Profit—

Estimated Profit Margin Net profit as a share of the resale price—

Estimated Cash Invested—

Estimated Profit ROI Cash-on-cash: net profit as a share of cash invested—

Profit estimate assumes resale at the estimated ARV, interest-only carrying costs through the hold period, and full loan principal payoff at closing. For illustration only — not a guarantee of actual resale price, timeline, or profit.

Flip It or Rent It? — compare both exits on this same deal

Flip It or Rent It?

Same deal, two exits. Purchase price, rehab budget, ARV, taxes, insurance and HOA come from the calculator above — add your rental assumptions here and compare the two side by side.

Rental assumptions

Side by Side

Sell After Rehab

Net profit—

Cash invested—

Months to payday—

Return on cash—

Refinance & Rent

Refinance loan—

Cash out at refinance—

Cash left in deal—

Net operating income / mo—

Loan payment / mo—

Monthly cash flow—

DSCR—

Cash-on-cash return—

Enter your rental assumptions and choose Compare Exits.

Illustrative only, driven entirely by the figures you enter. Rental income, expenses and refinance terms are your estimates, not an offer or a quote. Actual terms depend on underwriting, appraisal or valuation, and lender approval.

Have a Deal You Want Reviewed?

Send the property address and available project information to [email protected] or call/text Steve Waller at 936-522-8951. ACP Real Estate Lending can provide a preliminary property analysis and potential financing structure based on the information available.

Get Started Get Pre-Approved Guide: Flip or Rent?

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