Wholesale Real Estate & ARV Deal Analyzer

Load sample deals:

Subject Property Details

Single Family

Asking / Contract Price ($)

Square Feet (SqFt)

Beds

Baths

Year Built

Rehab & Repair Estimator

$24/SqFt

Select Renovation Scope:

Cosmetic $15 - $20/sf

Moderate $25 - $35/sf

Full Gut $45 - $65/sf

Itemized Checklist (toggle to adjust):

Roof & Gutters ($7.5k) HVAC / Furnace ($6k) Kitchen Remodel ($8.5k) 2x Baths Update ($5k) Vinyl / Carpet ($4.2k) Int / Ext Paint ($3.6k)

Total Estimated Repairs ($)

Wholesale & MAO Formula Rules

70% Rule Default

Investor Discount (%)

Desired Assignment Fee ($)

Estimated ARV â

$215,000

$148 / sqft avg

Wholesale MAO â
$103,700
+$5,700 vs Ask (Under MAO)

Est. Repair Budget

$34,800

Moderate rehab

Rental Cashflow $/Mo

+$435 /mo

8.4% Cap Rate (Rent: $1,450)

ARV ($) $215,000

Discount 70%

Repairs $34,800

Wholesale Fee $12,000

Your Max Offer $103,700

Recent Sold Comps & Geo Radius Map

4 Comps < 0.8 mi

Property Address	Distance	Sold Price	Sold Date	Beds/Baths	SqFt	$/SqFt	Adjusted ARV

End-Buyer Buy & Hold Economics ($/Mo Cashflow)

Long-Term Rental Model

Monthly Income & Debt Service

Estimated Market Rent +$1,450 /mo

Principal & Interest (80% LTV @ 7%) â$685 /mo

Property Taxes â$140 /mo

Hazard Insurance â$80 /mo

Operating Reserves & Net

Property Management (8%) â$116 /mo

Vacancy & Maintenance (8%) â$116 /mo

CapEx Reserve (5%) â$78 /mo

Net Monthly Cash Flow ($/Mo) +$235 /mo

Deal analysis updated with 4 nearby comps and standard 70% formula.

Ready to export

How Wholesale Real Estate Formulas Work

Wholesaling relies on the MAO (Maximum Allowable Offer) equation to guarantee profit for both you (the assignor) and your end-buyer (flipper or landlord investor):

ARV (After Repair Value): What the home will appraise for after a full renovation, determined by weighted comps sold within 0.5â1.0 mile in the last 180 days.
The 70% Rule: Flippers require a 30% margin to cover holding costs (interest, utilities), closing costs (buy & sell), and their net ROI.
Rehab Deductions: Estimated from square footage and condition tiers, or itemized structural components (HVAC, Roof, Kitchen, Baths).
Your Wholesale Spread: The assignment fee added between your seller contract price and your buyer assignment price.

Interpreting the $/Mo Cashflow for Landlord Buyers

Many wholesale deals are purchased by buy-and-hold investors rather than flippers. They care primarily about monthly net cashflow ($/Mo) and Cap Rate:

The 1% Rule of Thumb: Monthly gross rent should approach ~1% of total cost (Purchase + Rehab) for strong Midwest cashflow markets.
True Net OpEx: Never calculate cashflow using just PITI. Always account for vacancy reserves (5-8%), ongoing repairs (5-8%), and property management fees.
Exporting Teasers: Use the "Export Deal PDF/Text" button above to generate a 1-page investor packet ready to send to your buyers list.