Fix & Flip Calculator — Orlando, FL

Pre-filled with 2026 Orlando numbers so you're underwriting to the local market, not to national averages.

Median ARV: $445,000
Median purchase: $355,000
Avg rehab: $42,000
Days on market: 23 days
Property tax: 1%
Insurance / yr: $3,100
Hard money rate: 11.5%
Typical hold: 5–6 months

Deal inputs

Adjust anything — results update instantly.

The deal

After-repair value (ARV)

What the finished home sells for at retail.Purchase price

Rehab budget

Add 15% contingency to your line-item estimate.Holding period

months

Financing

Loan-to-cost

90%

Typical hard money: 85–90% LTC.Interest rate

Loan points

Origination points paid on the loan amount.

Holding costs (monthly)

Property tax

% / yr

Applied to ARV over the holding period.Insurance (annual)

Utilities / month

HOA / month

Transaction costs

Purchase closing costs

% of purchase

Selling costs

% of ARV

Agent commission + closing on the sale.

Projected net profit

-$27,216

ROI (cash)

-34.3%

Annualized

-68.6%

70% Rule check

Fails

Max allowable offer at 70% of ARV minus rehab:

$269,500

You're $85,500 over the rule.

75%

$291,750

70%

$269,500

80%

$314,000

Cost breakdown

Purchase price: $355,000
Rehab budget: $42,000
Interest: $20,545
Loan points: $7,146
Property tax: $2,225
Insurance: $1,550
Utilities: $1,050
Purchase closing: $7,100
Selling costs: $35,600
Total project cost: $472,216
Cash in deal (down + rehab out-of-pocket): $39,700
Break-even sale price: $472,216

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What's different about flipping in Orlando

STR overhang from over-built vacation-rental supply means many exit buyers are now owner-occupants, not investors. Rehab to owner-occupant taste.

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