Cash Offer Calculator
Calculate your maximum cash offer for any investment property. Enter the ARV, estimated repairs, holding costs, and your desired profit — get the exact number to offer so your deal pencils.
Cash Offer Calculator
Get AI-calculated cash offers in 60 seconds
FlipScore pulls live comps to calculate ARV, estimates repairs from property photos, and gives you a precise maximum cash offer — no guesswork.
Try FreeFrequently Asked Questions
How do cash buyers calculate their offers?
Cash buyers calculate offers by starting with the ARV (after repair value), then subtracting repairs, closing costs, holding costs, and their desired profit margin. The formula is: Max Offer = ARV − Repairs − Closing Costs − Holding Costs − Desired Profit. Most investors also verify the offer doesn't exceed 70–75% of ARV.
What is the 70% rule for cash offers?
The 70% rule states that investors should pay no more than 70% of the ARV minus repair costs. Formula: Max Offer = (ARV × 70%) − Repairs. It's a quick sanity check used by flippers and wholesalers, though cash flow investors may use different criteria depending on their exit strategy.
How much below asking price should a cash offer be?
Investment cash offers are typically 60–75% of ARV (after accounting for repairs). This often means 20–40% below retail asking prices for distressed properties. The exact number depends on repair costs, holding time, and required profit margin — not an arbitrary percentage below asking.
What closing costs should I include in a cash offer calculation?
For a cash investor buying and reselling, include: purchase closing costs (title, attorney, recording — typically 1–2%), selling costs (agent commissions + closing — typically 6–8%), and any transfer taxes. Total buy+sell closing costs typically run 8–10% of ARV combined. Use 3% as a conservative estimate for buy-side only.
Why do sellers accept low cash offers?
Sellers accept below-market cash offers for speed, certainty, and convenience. Cash closings can happen in 7–21 days with no financing contingency, no inspections, and no repairs required. For sellers facing foreclosure, divorce, inherited properties, or financial distress, the certainty of a fast close is worth more than top dollar.