Purchase and rehabilitation
Start with the purchase price and a detailed scope-of-work budget. Include a contingency reserve in your full analysis.
ARV, LTC, and debt
ARV is estimated value after repairs. LTC compares the loan with project cost. Our calculator uses purchase plus rehabilitation as a simplified cost basis.
Equity is not profit
ARV minus the loan estimates gross equity on completion. It is not profit: your contribution, interest, fees, holding expenses, selling costs, and taxes must also be considered. Validate comparables and expenses before committing.
Programs, terms, and availability are subject to review, approval, eligibility, and change. This website is not a commitment to lend. Financing for investment properties, not primary residences.