Model acquisition, rehab, refinance proceeds, cash left in the deal, and post-refinance equity.
It keeps income, operating costs, financing, invested cash, value, timing, and exit assumptions explicit so you can reproduce the result and compare genuinely consistent scenarios.
Calculation structure
Keep income, costs, and value in the right period
New loan = ARV × refinance LTV; net refinance proceeds = new loan − acquisition-loan payoff − refinance costs; cash left = acquisition and rehab cost − new loan + refinance costs.
Visual explanation
See what drives the property result
Acquire→Improve→Sell or refinanceTrack every entered cost before measuring profitNew loan = ARV × refinance LTV; net refinance proceeds = new loan − acquisition-loan payoff − refinance costs; cash left = acquisition and rehab cost − new loan + refinance costs.
Read the result correctly
Use the result with its boundaries
A 150,000 financed purchase, 40,000 rehab, 10,000 acquisition costs, 260,000 ARV, 75% refinance, 150,000 payoff, and 5,000 refinance costs leaves 10,000 in the deal and releases 40,000.
The simplified cash-left formula assumes the entered payoff is acquisition debt already included in purchase cost, so it is not added to project cost again. Refinance terms are a scenario, not a lending quote.
Quick guide
How to use this calculator
Enter a single internally consistent property scenario.
Use the field labels to preserve each page's specific investment, transaction, lease, development, or lodging convention.
Review the calculator-specific boundary before interpreting the result.
Calculation method
Calculation method
New loan = ARV × refinance LTV; net refinance proceeds = new loan − acquisition-loan payoff − refinance costs; cash left = acquisition and rehab cost − new loan + refinance costs.
Entered fixed decimals use exact rational arithmetic except the explicitly approximate IRR root. Money rounds only for display and supported nonzero amounts remain visible.
Worked example
Worked example
A 150,000 financed purchase, 40,000 rehab, 10,000 acquisition costs, 260,000 ARV, 75% refinance, 150,000 payoff, and 5,000 refinance costs leaves 10,000 in the deal and releases 40,000.
New loan = ARV × refinance LTV; net refinance proceeds = new loan − acquisition-loan payoff − refinance costs; cash left = acquisition and rehab cost − new loan + refinance costs.
Supported inputs
Precision and limits
Visible input limits
Amounts accept up to 30 digits and 12 decimal places and are capped at 1e12 per input. Whole-number periods are capped at the page's stated range; rates are capped at 1000%.
International scope
No currency, tax regime, lease law, lender threshold, local market feed, appraisal, or jurisdiction-specific charge is assumed.
Decision boundary
Results are visitor-entered arithmetic scenarios, not appraisals, forecasts, loan approvals, legal or tax determinations, or investment recommendations.
Calculator-specific assumptions
The simplified cash-left formula assumes the entered payoff is acquisition debt already included in purchase cost, so it is not added to project cost again. Refinance terms are a scenario, not a lending quote.
