Estimates only, for education — not financial advice. Always confirm ARV with comps and get real repair bids before making an offer.
How the wholesale calculator works
Every wholesale deal has to leave room for two people to profit: the cash buyer who actually rehabs or rents the property, and you, the wholesaler. This calculator works backward from the property’s after-repair value (ARV) to find the highest price you can offer the seller — the Maximum Allowable Offer (MAO) — while still protecting your fee.
The formula: MAO = (ARV × 70%) − Repairs − Your Wholesale Fee
The four inputs
- ARV — what the home is worth fully renovated, based on recent comparable sales (“comps”).
- Repairs — what the end buyer will spend bringing the property to that ARV.
- Rule of thumb — the percentage of ARV your cash buyers work from. 70% is the classic figure.
- Your wholesale fee — the assignment fee you want to earn for putting the deal together.
How to use your number
The MAO is your ceiling, not your opening offer. Negotiate below it when you can — the bigger the gap between your contract price and the buyer’s max, the easier the deal is to assign and the more you can earn. If the calculator turns red, the deal doesn’t pencil at those numbers: lower your offer to the seller, trim your fee, or pass.
Once a deal pencils, you’ll need the rest of the stack to actually close it — a way to find motivated sellers, skip tracing to reach owners, and a buyers list for disposition. Compare the tools real wholesalers use in our software directory, or start with the beginner’s guide to wholesaling.