Wholesale Deal Calculator

Calculate your MAO, assignment fee, and whether the deal works for the end buyer

Deal Basics

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Estimated value after rehab is complete

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Total estimated renovation costs

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Your profit as the wholesaler

%

Minimum cash-on-cash return buyer wants

Holding & Closing Costs

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Insurance, utilities, taxes during rehab

Duration of rehab + stabilization

%

Buyer's closing costs

Buyer's Rental Analysis (If Held)

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Expected market rent after rehab

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$
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Buyer's down payment on refi at ARV

%

Buyer's refi rate (DSCR or conventional)

Deal Doesn't Work

Buyer's CoC return (1.4%) is 8.6% below their 10% target.

Maximum Allowable Offer

$146,000

ARV x 70% - Rehab - Assignment Fee

ARV x 70%$196,000
- Rehab-$35,000
- Assignment Fee-$15,000

Buyer's Numbers

Purchase (from wholesaler)$161,000
+ Rehab$35,000
+ Closing Costs$4,830
+ Holding Costs$6,000
Buyer All-In$206,830
Equity at ARV$70,000

Buyer's Rental Cash Flow

Monthly Rent$2,000
- Mortgage (P&I)-$1,468
- Property Tax-$267
- Insurance-$133
Monthly Cash Flow$132
Annual Cash Flow$1,580
Buyer CoC Return1.4%

Target: 10% · Cash invested: $115,830

How Wholesale Real Estate Works

1

Find a Distressed Property

Identify a motivated seller with a property below market value — through direct mail, driving for dollars, or online marketing.

2

Get It Under Contract

Negotiate a purchase price at or below your MAO (ARV x 70% - rehab costs - your fee). Use an assignable purchase contract.

3

Find an End Buyer

Market the deal to your cash buyer list or investor network. The deal must work for the end buyer at the contracted price plus your assignment fee.

4

Assign & Close

Assign your contract to the end buyer for your assignment fee. The buyer closes with the seller, and you collect your fee at closing.

Important Legal Note

Wholesale real estate laws vary significantly by state. Some states require a real estate license to wholesale, others restrict the number of deals you can do annually, and some require specific contract disclosures. Always consult with a real estate attorney in your state before wholesaling.

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This calculator provides estimates for educational purposes. Actual costs, returns, and feasibility will vary based on market conditions, financing terms, and property-specific factors. Always verify numbers with your own due diligence.