Holding Cost Calculator for Flippers
Calculate monthly and total holding costs for fix-and-flip investments. Includes mortgage, taxes, insurance, utilities, and HOA with customizable hold period.
Monthly Costs
Hold Period
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Holding costs are often underestimated by new flippers. Every extra month on a hard money loan at 12% adds significantly to your all-in cost. Budget an extra 1-2 months beyond your expected timeline as a buffer.
Why holding costs matter
Holding costs are the silent deal killer for fix-and-flip investors. A flip that takes 6 months instead of 4 adds two extra months of mortgage payments, taxes, insurance, and utilities. On a hard money loan at 12% interest, that could be $2,000-$4,000 in unexpected costs that eat directly into profit.
When marketing deals to flip buyers, including a holding cost estimate in your deal package shows sophistication and helps the buyer calculate their true all-in cost. See our marketing package guide for what to include.