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
Results
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.
Related
For informational purposes only. Results are estimates based on the inputs you provide and are not an appraisal, broker price opinion, or investment advice. Actual values, costs, and returns vary by market, property condition, financing, and other factors. Consult a licensed appraiser, broker, accountant, and/or attorney before making investment decisions.