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Prophet Calculator

Know your max rehab budget, projected profit, and full deal breakdown before you make an offer — for any fix-and-flip or new construction project.

Project type

Exit strategy

Funding source

Deal source

Purchase price

ARV / Sale price

Project lengthTotal months from property purchase to sale closing.

months

Available for rehab + profit

$122,800

Ownership costs

−$27,200

Projected profitCalculated from all current inputs — updates instantly when you change the slider, commission, HOA, insurance, or any other cost.

+$122,800

Rehab budgetSet by the slider above. Changing costs (commission, HOA, taxes) will not affect this — only your projected profit adjusts.

← Less rehab · more profitMore rehab · less profit →

Cash Return Metrics

ROI

Profit ÷ Total Cash Invested × 100

Profit = ARV − (Purchase + Rehab + All costs). Total cash = everything you put in.

Annualized ROI

ROI × (12 ÷ Project Months)

Scales your return to a 12-month equivalent for fair comparison with savings rates, bonds, and market returns.

Profit Margin

Profit ÷ ARV × 100

How many cents of every sale dollar are pure profit after all costs.

ROI

44.3%

Annualized ROI

88.6%

Profit margin

30.7%

vs. passive alternatives (annualized)

This deal

+88.6%

High-yield savings

+4.5%✅

10-yr Treasury bond

+4.3%✅

S&P 500 (hist. avg.)

+10.0%✅

🚀 Exceptional return.

This deal significantly outperforms every passive alternative. Your capital is working hard.

Deal breakdown

Purchase$250,000

Rehab$0

Property tax /yrAnnual property tax as % of purchase price. US avg ≈ 1.1%, Texas ≈ 2.3%.

%✎

$1,500

HOA /mo

$✎

Insurance /moUS avg ≈ $150–$200/mo for a single-family home.

$✎

$900

Agent commissionCombined buyer + seller agent commission at sale. Defaults to 6% (3% each side). Adjust if your agreement differs.

%✎

$24,000

Other expensesUtilities, maintenance, misc. holding costs as % of rehab budget. Typical: 3–8%.

%✎

Total costs$277,200

Profit(30.7% margin)

💰 Cash to Close

Cash to Close

What you need in the bank on closing day — separate from the rehab budget. This is the money required at the closing table to execute the deal and receive the loan.

Full purchase price + title fees

Purchase price$250,000

Title fees$3,000

Total cash to close$253,000

$253,000

Rehab vs. Profit

Move the profit slider to see how rehab spend affects your return

Want to save this analysis and take it further?

💾

Save this analysis and compare it against other deals. Sign up free and every deal you run is stored. When you're evaluating multiple opportunities, ProphetAnalyzer lets you line them up side by side — same metrics, same format — so you can confidently identify the deal that maximizes your profit and grows your wealth. No more guessing which one is really the better play.

🏡

Is your ARV estimate accurate? ProphetAnalyzer pulls government-sourced area income, comps data signals, and fair market indicators so your after-repair value isn't just a guess — it's grounded in real data.

🔨

How accurate is your rehab number? Send scoped quote requests to contractors in seconds and compare bids side-by-side — the fastest way to replace a ballpark with a real number before you make an offer.

There's a lot more under the hood. Curious what you're missing?

This calculator gives you a strong foundation — but ProphetAnalyzer goes several layers deeper. Imagine running the same analysis with real government data validating your ARV, area income signals, flood risk, and comparable market indicators all woven in — then sending contractor quote requests in a few taps and watching bids flow back in. That's the level of confidence that separates investors who guess from investors who know.

Government data validation on every deal

ARV confidence backed by real market signals

Automated contractor quote requests in seconds

Side-by-side bid comparison — no spreadsheets

AI deal comparisons across your pipeline

Save, revisit, and share your analyses

Industry experts have had access to this level of analysis for years. Now you do too — free.

No spam. One email when we launch. That's it.

The fastest way to underwrite a deal

The 70% rule says your total all-in cost — purchase price plus rehab — shouldn't exceed 70% of the after-repair value. BuildProphet's Prophet Calculator automates that math and adds holding costs, financing costs, and agent commissions so you see the real numbers, not the back-of-napkin version. Use the risk tolerance slider to stress-test conservative and aggressive scenarios in seconds.

Ready for AI-powered deal analysis, government data intelligence, and side-by-side deal comparisons? Create a free account — you get 5 ProphetAnalyzer credits every month at no cost.

Free · No sign-up required

Prophet Calculator

Know your max rehab budget, projected profit, and full deal breakdown before you make an offer — for any fix-and-flip or new construction project.

Project type

Exit strategy

Funding source

Deal source

Purchase price

ARV / Sale price

Project lengthTotal months from property purchase to sale closing.

months

Available for rehab + profit

$122,800

Ownership costs

−$27,200

Projected profitCalculated from all current inputs — updates instantly when you change the slider, commission, HOA, insurance, or any other cost.

+$122,800

Rehab budgetSet by the slider above. Changing costs (commission, HOA, taxes) will not affect this — only your projected profit adjusts.

← Less rehab · more profitMore rehab · less profit →

Cash Return Metrics

ROI

Profit ÷ Total Cash Invested × 100

Profit = ARV − (Purchase + Rehab + All costs). Total cash = everything you put in.

Annualized ROI

ROI × (12 ÷ Project Months)

Scales your return to a 12-month equivalent for fair comparison with savings rates, bonds, and market returns.

Profit Margin

Profit ÷ ARV × 100

How many cents of every sale dollar are pure profit after all costs.

ROI

44.3%

Annualized ROI

88.6%

Profit margin

30.7%

vs. passive alternatives (annualized)

This deal

+88.6%

High-yield savings

+4.5%✅

10-yr Treasury bond

+4.3%✅

S&P 500 (hist. avg.)

+10.0%✅

🚀 Exceptional return.

This deal significantly outperforms every passive alternative. Your capital is working hard.

Deal breakdown

Purchase$250,000

Rehab$0

Property tax /yrAnnual property tax as % of purchase price. US avg ≈ 1.1%, Texas ≈ 2.3%.

%✎

$1,500

HOA /mo

$✎

Insurance /moUS avg ≈ $150–$200/mo for a single-family home.

$✎

$900

Agent commissionCombined buyer + seller agent commission at sale. Defaults to 6% (3% each side). Adjust if your agreement differs.

%✎

$24,000

Other expensesUtilities, maintenance, misc. holding costs as % of rehab budget. Typical: 3–8%.

%✎

Total costs$277,200

Profit(30.7% margin)

💰 Cash to Close

Cash to Close

What you need in the bank on closing day — separate from the rehab budget. This is the money required at the closing table to execute the deal and receive the loan.

Full purchase price + title fees

Purchase price$250,000

Title fees$3,000

Total cash to close$253,000

$253,000

Rehab vs. Profit

Move the profit slider to see how rehab spend affects your return

Want to save this analysis and take it further?

💾

🏡

🔨

There's a lot more under the hood. Curious what you're missing?

Government data validation on every deal

ARV confidence backed by real market signals

Automated contractor quote requests in seconds

Side-by-side bid comparison — no spreadsheets

AI deal comparisons across your pipeline

Save, revisit, and share your analyses

Industry experts have had access to this level of analysis for years. Now you do too — free.

No spam. One email when we launch. That's it.

The fastest way to underwrite a deal

Ready for AI-powered deal analysis, government data intelligence, and side-by-side deal comparisons? Create a free account — you get 5 ProphetAnalyzer credits every month at no cost.