Deal Analyzer · Wind River Lending
Fix & Flip Deal Calculator
Enter the ARV, purchase price, and rehab budget to instantly see the Maximum Allowable Offer, whether the deal qualifies for 100% purchase financing, and an estimated cash-to-close breakdown.
Deal Inputs
MAO Formula
(ARV * 70% - Rehab) * 95%
Purchase ≤ MAO → 100% purchase financing
Purchase > MAO → buyer funds the delta
Interest Model (12.5%/yr)
Interest accrues only on disbursed funds. Purchase amount is fully drawn at closing. Rehab holdback stays with the lender — interest adjusts upward with each draw. This calculator estimates rehab interest at the average outstanding balance (~50% of total over the hold period).
For illustration only. This calculator is not a commitment to lend. Title fees are optional and based on your estimate; builder's insurance, prepaid items, utilities, taxes, HOA, and final third-party invoices can materially change actual cash to close and net profit. Financing subject to underwriting.
Enter ARV, purchase price, and rehab budget to see your deal analysis.
How the math works
Understanding the numbers
Maximum Allowable Offer (MAO)
We cap at 70% of ARV, subtract the rehab holdback, then apply a 95% advance factor to the remainder: (ARV * 70% - Rehab) * 95%.
100% Purchase Financing
When the purchase price is at or below the MAO, we can fund 100% of the purchase price. The buyer isn't required to put money into the acquisition — only into closing costs.
Buyer Delta
If the purchase price exceeds the MAO, we still lend up to the MAO. The buyer funds the difference (delta) at closing in addition to normal closing costs.
Rehab Holdback
We fund 100% of the rehab budget through a holdback. Draws are reimbursed within 24 hours after approval — borrower submits photos, video, and invoice.
Origination Fee
2.5% of the total loan amount (purchase portion + rehab holdback). This is charged at closing and is the primary lender fee.
Fixed Closing Costs
$750 set up fee + $975 attorney fee + $650 appraisal (paid directly to appraiser at time of order). Survey and optional title fee estimate can be added in the calculator; builder's insurance varies by deal.