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.

12-month term · Interest-only payments

Estimated Purchase Price

Estimated Repairs / Construction Budget

Estimated ARV

ARV Limit (%) Varies by deal — enter a figure to model, or leave blank

Annual Interest Rate (%)

Property State

Annual Property Taxes

Annual Insurance Paid by borrower directly, not financed

Annual HOA (if applicable)

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

Estimated Lender Closing Fee Flat fee, subject to change

Estimated Months to Sell Expected hold period before resale

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

Preliminary Calculations

Total Project Cost—

90% LTC Limit—

ARV Limit—

Estimated Maximum Loan—

Origination Fee—

Total Lender Closing Costs—

Amount Available for Purchase Price—

Estimated Borrower Cash at Closing—

Monthly Interest-Only Payment—

Monthly Taxes & HOA—

Estimated Monthly Carry—

Estimated 12-Month Carrying Cost—

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

Estimated Borrower Profit

Estimated Resale Price (at ARV)—

All-In Project + Financing Costs—

Estimated Holding/Carrying Costs—

Estimated Selling Costs—

Estimated Net Profit—

Estimated Cash Invested—

Estimated Profit ROI (Cash-on-Cash)—

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?

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