Plug in your numbers and instantly see how this property performs as a wholetail, retail sale, assignment, or buy-and-hold — plus your Bankability Score™ deal grade.
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Includes interest, utilities, insurance, maintenance, and miscellaneous carry costs.
Assignment pricing moves with the market, not a fixed number — COVID-era demand pushed assignments near 85% of ARV; today's slower market has cooled that closer to 70%. Drag to match what you're seeing right now, then fine-tune the exact range below if you want to override it.
Wholetail doesn't require the full rehab — just enough junkout/cleanup to sell as-is. Defaults to 7% of your full rehab budget; adjust to test other assumptions.
Default assumption only — update to reflect current market DSCR pricing.
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Bankability Score™ Deal Grade
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Recommended path
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Deal Summary
Total Project Cost
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ARV
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Equity Spread
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Scenario Comparison
Wholetail Sale
Progressive %
Retail Sale
100% of ARV
Assignment
Fastest Exit Option
Buy and Hold
Portfolio Add
Cash Left in Deal & Monthly Cashflow
Recommended Strategy
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Important Notes
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Wholetail's cost basis uses a junkout cost (default 7% of full rehab) instead of the full rehab cost — a wholetail buyer takes the property closer to as-is, not fully renovated. Adjust this % in Advanced assumptions to match what you're actually spending to get a property wholetail-ready.
Assignment pricing uses a sliding market scale (drag the market slider in Advanced assumptions) rather than a fixed % of ARV — it's calibrated so today's market lands near 70% and COVID-era peak demand lands near 85%, but it's a heuristic you should adjust to match what you're actually seeing close in your market.
County market insight is a general, directional tag based on broad population and home-value trends for major metro markets — not live Census or MLS data. Coverage is limited to common investor markets; verify locally before relying on it.
Wholetail price uses a progressive scale (90%–72% of ARV) based on rehab cost relative to purchase price, not a flat percentage — heavier rehab pulls the wholetail price down. This is an editable heuristic, not a market guarantee.
*Federal tax is estimated at a flat 30%. Actual tax may vary based on your personal tax situation.
State short-term gain tax is estimated using a general top-rate proxy for the property's state and does not account for brackets, deductions, or filing status.
DSCR financing rate is an editable estimate and should be updated to reflect current market pricing.
Tax estimates are simplified for planning purposes and are not tax advice. Consult a qualified CPA before relying on these numbers.
This calculator is for educational and planning purposes only and does not guarantee loan approval, sale price, or investment performance.