Free wholesale deal calculator
Price every deal the way your end buyer's lender will.
Estimate ARV from comps, build a repair budget, then get your Maximum Allowable Offer with your buyer's real holding, closing and financing costs baked in — so the assignment actually closes.
- Calculator modules
- 7
- States with wholesaling rules or bills
- 27
- State laws reviewed
- Nov 2026
Wholesale calculator
Run the deal
Optional — enables $/sq ft repair estimates
Buffer for surprises behind the walls
Already under contract? We'll show your real spread.
Most flippers want 10–20% of ARV after all costs.
Permits, staging, inspections, etc.
Quick view uses typical assumptions for your buyer: hard-money loan at 90% of purchase and 100% of rehab, 11% interest, 6-month hold, 2% buy and 7% resale costs.
Maximum allowable offer
$—
Enter an after-repair value (ARV) — or add comps — to run the numbers.
How MAO is calculated
Start from ARV
Use a known value or average your comps' price per square foot. ARV drives everything — lenders cap loans at a percentage of it.
Work backward from the buyer
Subtract repairs, holding, closing, financing and the buyer's profit to find what they can pay. That's your ceiling — not the 70% rule.
Subtract your fee
What's left is your Maximum Allowable Offer. Enter your contract price to see your real spread and whether the deal is strong, thin or underwater.
End-buyer financing · Jaken Finance Group
Your deal is only as good as your buyer's lender.
Most "cash buyers" are funded. When their lender is slow, under-levered or backs out, your assignment dies. Send every buyer to a lender built for investor deals — and close more of the contracts you already have.
Or call (833) 264-7776
- Up to 100%
- of total cost on qualified flips up to $2.5M (typically up to 90%)
- 7–10 days
- business days to close on a complete file
- Asset-based
- credit-flexible underwriting on the deal
- $75K–$10M
- investment-property loan sizes, nationwide
Rates, leverage and timelines are Jaken Finance Group's published program ranges, not a quote or commitment to lend. All loans are business-purpose, subject to underwriting, and governed by the term sheet.
Fund every exit
Financing for the buyers on your list
For your flipper buyers
Fix & flip loans
- Up to 100% of total cost on qualified files up to $2.5M
- Sized to the lower of LTC and 75% of ARV
- 8.99%–13.5% interest-only
- 7–10 business days on a complete file
For your double closes
Transactional funding
- Funds the A-to-B leg of a double close
- Keeps your spread off the buyer's closing statement
- An option where assignments are restricted
For buy-and-hold buyers
DSCR rental loans
- Qualifies on the property's rent, not W-2s
- 5.75%–10.5% published range
- Up to 85% LTV purchase in select markets
For tight closing dates
Bridge loans
- 7–14 day close
- Interest-only, 6–18 months
- Bridge to a sale or DSCR refi
Wholesaling laws by state
The rules changed. Know yours before you contract.
Click a state for licensing rules, required disclosures, seller cancellation rights and statute citations.
Recent changes
- Delaware· License required
21-day seller cancellation right begins (reported)
- Missouri· Wholesaling-specific rules
SB 973 wholesaler disclosure law takes effect
- Colorado· General license law
HB 26-1287 (Division of Real Estate sunset) takes effect
- Louisiana· Wholesaling-specific rules
Act 807 (HB 468) effective
- Missouri· Wholesaling-specific rules
Governor Kehoe signs SB 973
- Connecticut· Wholesaling-specific rules
Wholesaler registration and contract rules take effect
FAQ
Wholesaling questions, answered
Free download: ChatGPT guide for real estate investorsPrompts for comps, seller scripts and buyer marketing.How do you calculate MAO for a wholesale deal?
The quick version is the 70% rule: MAO = ARV × 70% − repairs − your wholesale fee. The detailed version works backward from what your end buyer actually needs: ARV minus repairs, holding costs, closing and selling costs, financing costs and the buyer's target profit gives the most the buyer can pay; subtract your fee and you have the most you can put on the seller contract.
How do I calculate ARV for wholesaling?
Use 3–5 renovated comparable sales from the last 3–6 months, close to the subject and similar in size, beds, baths and style. Average their price per square foot and multiply by the subject's square footage, then sanity-check against the median sale price. The calculator's comps mode does this for you.
Why does end-buyer financing matter to a wholesaler?
Most 'cash buyers' are funded by hard money or private lenders. Their lender's leverage, rate, points and ARV cap decide how much cash the buyer needs and what they can pay you. Pricing a deal with real financing costs — and giving buyers a lender that can close fast — means fewer cancelled assignments and more deals closed.
Is wholesaling real estate legal?
Wholesaling is legal in every state when done correctly, but a growing number of states now regulate it — some require a real estate license (or limit unlicensed deals), others require written disclosures and give sellers a right to cancel. Check your state's page in our wholesaling laws guide and talk to a local real estate attorney.
How much do wholesalers make per deal?
Assignment fees vary widely by market and deal size — commonly $5,000 to $20,000+ on single-family deals. The fee that actually closes is the one that still leaves your end buyer their profit after financing and holding costs, which is exactly what this calculator checks.
What's the difference between an assignment and a double close?
With an assignment you sell your contract rights to the end buyer for a fee and never take title. With a double close you buy the property and resell it the same day — usually funded with short-term transactional funding — which keeps your spread private and can be required in states or deals where assignments are restricted.