Fix and Flip Loan Calculator

Estimate your purchase loan, rehab money and cash to close — then apply in the same place.

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Flip Calculator

Experienced Investor90% of the purchase + 100% of the rehab · 12 months (18 case by case) · rates from 8.49%

See how much a fix & flip loan covers and every amount — purchase advance, rehab funds, interest reserve, equity and cash to close.

1 Your experience

Flips completed in the last 36 months0 = First-Time Investor (80%) · 1–2 = Intermediate Investor (85%) · 3+ = Experienced Investor (90%)

2 The property

Purchase price

the purchase advance is 90% of this amount

3 Rehab & value

Rehab budget

up to 100% financed, released in draws

After-repair value (ARV)

the loan is capped at 75% of this value

4 Loan terms

Interest rate (%)interest-only

Term (months)12 standard · 18 case by case

Interest reserve (months)months of interest-only payments you show as liquidity

Origination points (%)

Lender & closing fees

Borrower Responsibility: Borrower is responsible for paying all closing costs. Closing costs include but are not limited to; title and lien search fees, document stamp fees and other fees customary for transactions of this nature.

TERMS: All terms subject to confirmation including but not limited to: Appraised values, confirmed borrower experience, clear credit report, clear background report, feasibility study, environmental and title clear of defects.

First-Time Investoryouno flips yet · 80% of the purchase price + 100% of the rehab · max 75% ARV · $50,000–$3,000,000 · 12 months (18 case by case) · SFR, 2–4 units, townhomes, warrantable condos · entity borrower · foreign nationals welcome · full recourse

Intermediate Investoryou1–2 flips completed · 85% of the purchase price + 100% of the rehab · max 75% ARV · $50,000–$3,000,000 · 12 months (18 case by case) · SFR, 2–4 units, townhomes, warrantable condos · entity borrower · foreign nationals welcome · full recourse

Experienced Investoryou3+ flips completed · 90% of the purchase price + 100% of the rehab · max 75% ARV · $50,000–$3,000,000 · 12 months (18 case by case) · SFR, 2–4 units, townhomes, warrantable condos · entity borrower · foreign nationals welcome · full recourse

Total loan amount$285,00088.8% of cost · 63.3% of ARV

Cash to close$36,050+ liquidity $6,000

Total funds to show$42,050monthly interest $2,016 at 8.49%

Loan sizing, line by line
Program tier3 flips completed · 90% of the purchase price + 100% of the rehab · max 75% of ARV · 12 months (18 case by case) · full recourse · entity borrower	Experienced Investor
Purchase advance (90%)90% of the $250,000 purchase price	$225,000
Rehab financed (100%)rehab budget $60,000	$60,000
Origination points + fees3% points ($8,550) + $2,500 lender / closing fees — paid at closing	$11,050
Total project costpurchase price + rehab budget + points & fees	$321,050
Loan cap — 75% of ARVafter-repair value $450,000	$337,500
Total loan amountlimited by the program leverage (90% purchase advance + 100% of the rehab)	$285,000
Initial advance at closingthe purchase advance	$225,000
Rehab holdback (draws)released as the work is completed and inspected	$60,000
Loan-to-cost / loan-to-ARVpurchase advance 90% of the purchase price · ARV limit 75%	88.8% / 63.3%
Monthly interest at full draw8.49% interest-only on $285,000	$2,016
Equity requiredtotal project cost minus the loan	$36,050

Cash to close
Down paymentpurchase price $250,000 minus the $225,000 purchase advance	$25,000
Origination points (3%)3% of the $285,000 loan	$8,550
Lender & closing feespaid at closing	$2,500
Cash to closedown payment + points + fees	$36,050

Liquidity
Interest-only payments (0 months)$1,592 per month — 8.49% interest-only on the $225,000 purchase advance × 0 months	$0
10% of Budget10% of the $60,000 rehab financed	$6,000
Liquidityinterest-only payments + 10% of budget	$6,000

Total funds to showcash to close + liquidity

$42,050

Estimate only, based on the program guidelines and the numbers you enter. Final terms depend on the appraisal, the scope of work and budget review, credit, experience and underwriting. Rates shown are the lowest offered; your rate may vary. Not a commitment to lend.

Takes a few minutes · the numbers from the calculator come with your application

Application progress0% complete · 0 of 0 required fields

Fix & Flip Loan Application

Tell us about you and the property — the numbers from the calculator above come with your application.

1 About you

I am...*

2 Borrower

Borrowing Entity (LLC or Corporation)*

First Name*

Last Name*

Phone*

Email*

How is Your Credit* (score)

I have recent bankruptcies, foreclosures, or mortgage late payments (past 2 years)

Borrower's Est. Liquidity*

Est. Borrower Net Worth*

I am a foreign national (welcome — not from an ineligible country)

3 Property

TBD (To Be Determined)

I have a property address

Property Address*

The property is under contract

I have a scope of work / rehab budget

I have a contractor lined up

Interest Reserve Needed

What Type of Property*

What is Your Exit Strategy*

Current Sq.Ft.

4 Project

Project Description*

5 Supporting Documents (Optional)

Drag & drop documents here, or click to browse

Purchase contract, scope of work / rehab bid, comps or appraisal, photos, entity documents, proof of funds — anything that helps us price the deal.

Up to 10 files, 25 MB each — PDF, Word, Excel, CSV, text and pictures.

Security check *

Type the characters shown in the picture so we know you are a person.

Fill in the missing fields listed on the right to send your application.

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The figures from the calculator above are attached to your application automatically.

How to use the fix and flip calculator

Enter the number of flips you have completed, the purchase price, the rehab budget and the after-repair value (ARV) — what the property will be worth once the work is done. The calculator shows how much of the purchase and rehab the loan can cover, the cash you bring to closing and the monthly interest while you hold the property. When the numbers work, press Apply Today and send the deal for review.

The numbers that decide a fix and flip deal

After-repair value: every loan is capped at 75% of the ARV, so a realistic value backed by recent sales is the most important number.
Experience: new investors start with 20% down plus closing costs; after three completed flips financing can reach 0% down.
Rehab budget: up to 100% of the rehab can be financed on qualifying projects — price it carefully and keep a contingency.
Holding costs: we recommend setting aside about 1% of the purchase price for taxes and 1% for insurance.
Fees: title fees are additional, and every estimate is subject to final underwriting.

A quick rule of thumb

Many investors use the 70% rule as a first filter: pay no more than about 70% of the after-repair value minus the repair costs. It is not a lending rule — our limit is 75% of the ARV for the whole loan — but it is a fast way to see whether a deal deserves a closer look before you run it here.

Learn more about fix and flip loans in Florida, 100% fix and flip financing, fix and flip loans for beginners and fix and flip loan rates and costs.

Frequently Asked Questions

Is the calculator result a loan offer?

No. It is an estimate to help you size the deal. Every loan is subject to final underwriting.

What is the most I can borrow?

Up to 100% of the purchase and up to 100% of the rehab on qualifying projects, with the total loan capped at 75% of the after-repair value.

Why does my experience change the result?

New investors start with 20% down plus closing costs. After three completed flips, financing can reach 0% down.

What should I enter as the after-repair value?

What renovated homes like yours have recently sold for on the same streets. We value the property in-house when you apply.

Does the calculator include title fees?

Title fees are additional to the loan. Ask us for a full quote on your deal.

How do I apply?

Press Apply Today under the calculator, or call (727) 642-1166.

Numbers look good? Send us the deal.

Apply Now

Commercial Loans Florida, Inc. · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. All loans are subject to final underwriting; title fees are additional.