Underwrite your California fix-and-flip in seconds. Enter purchase price, rehab budget, after-repair value (ARV), and your hard money loan terms — the calculator returns total cash in deal, monthly interest, total interest, holding costs, projected profit, and annualized ROI. Pre-loaded with Fidelity Funding's typical California fix-and-flip pricing (80% of purchase, 100% of approved rehab, 10.99% rate, 2 origination points).
Use this tool to validate any California flip opportunity in 30 minutes. Pull conservative comps for your ARV (median of recent closed sales, not the high), estimate rehab using $/sqft heuristics with a 10-15% contingency, and stress-test with ARV reduced 10% and rehab increased 15% to confirm the deal still produces 15%+ ROI before you submit a loan request.
ROI = projected profit divided by total cash in the deal. Cash in deal = down payment + rehab out-of-pocket + closing costs + origination fee + total interest + total holding costs. Profit = net sale (ARV minus selling costs) minus loan payoff minus total cash in deal, plus your equity contribution back.
The classic 70% rule: max purchase price = (ARV × 70%) − rehab budget. It's a useful screening tool but is too conservative for high-ARV California coastal markets where margins are tighter and absolute dollars are larger. Use it as a sanity check, not a final answer.
Typical 2026 California fix-and-flip rates run 9.99% to 11.99% with 1.5 to 2.5 origination points. The calculator defaults to 10.99% and 2 points, which is representative for a qualified investor on a standard single-family flip in most California counties.
Yes, in the monthly holding costs input. Default $1,200/month covers typical California taxes, insurance, utilities, and HOA on a $500K-$750K single-family flip. Adjust higher for luxury, coastal, or high-HOA properties.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT