Real Estate Wholesale Profit Calculator

About this calculator

Real estate wholesaling works backward from After Repair Value (ARV) — what the property will be worth once fully renovated — using the "70% rule" to set a maximum allowable offer: MAO = (ARV × 70%) − estimated repair costs. The 30% gap covers the end buyer's (usually a fix-and-flip investor's) profit margin, holding costs, and financing, which is why wholesalers price their contract offer well below ARV rather than near it.

A wholesaler contracts the property near or below that MAO, then assigns the purchase contract to an end buyer for a fee — the assignment fee — without ever taking title to the property themselves; net profit is simply the assignment fee minus any marketing or holding costs incurred while finding that buyer. Getting the ARV and repair estimate wrong in either direction either scares off buyers with too thin a margin or leaves money on the table, so this backward calculation from ARV is the core skill in pricing a wholesale deal.

This calculator takes your ARV, repair cost estimate and assignment fee and returns the maximum allowable offer and net profit.