Deal Calculator
Does the deal pencil?
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.
Include city, state abbreviation, and ZIP for best results — e.g. 4521 W Bell Rd,
Glendale, AZ 85308.
State not yet detected — include
your state abbreviation in the address above
Affects depreciation — SFH uses 22.5% land allocation (land cannot be depreciated).
Condos have no land deduction.
Includes interest, utilities, insurance, maintenance, and miscellaneous carry
costs.
Auto-calculated: purchase + rehab + holding.
Time to fully rehab and close as a Retail Sale, or to rehab, rent, and complete
the DSCR refinance for Buy and Hold. Wholetail and Assignment close faster — timing for those is
set under Advanced assumptions.
Enter your estimated as-is sale price. We'll use this as the high end and run 20%
lower as the conservative scenario.
Enter your estimated buyer price for the assignment. We'll use this as the high
end and run 20% lower as the conservative scenario.
Advanced assumptions
Junkout cost & DSCR financing rate
▾
Wholetail doesn't require the full rehab — just enough junkout/cleanup to sell
as-is. Defaults to 7%; dial it in to match your scope.
Closing costs, concessions, and any commission on the as-is sale. Defaults to
3% — set it to match your typical wholetail buyer.
Default assumption only — update to reflect current market DSCR pricing.
Vacancy, maintenance, capex, and management — defaults to 20% of rent. Taxes
& insurance are assumed escrowed in your DSCR PITI payment, so they're not counted here
again.
Wholetail only needs junkout, not the full rehab, so it closes faster.
Defaults to 20% of the full rehab hold time above — holding costs and annualized return
scale with this.
Time from contract to assignment closing — typically the fastest exit.
Defaults to 3 weeks; drives the annualized return shown for this scenario.
Only applied to the Assignment scenario. Wholesalers who run this as a
business typically spend on direct mail, PPC, cold calling, or lead services to find each
deal — defaults to $5,000; dial in your own average cost per deal.
Unlock Your Results
Enter your info to generate your Bankability Score™ deal
grade and full scenario breakdown.
Your info is saved so our team can follow up on this deal — we don't sell or
share it.
The American Institute of Bankability Experts,
Inc. · All Rights Reserved
Deal Summary
Total Project Cost
—
ARV
—
Equity Spread
—
Scenario Comparison
Wholetail Sale
Progressive %
Retail Sale
100% of ARV
Assignment
Fastest Exit Option
Buy and Hold
Cash Left in Deal & Monthly Cashflow
Recommended Strategy
—
—
Important Notes
- Median home price by county/market is a directional estimate, not live MLS data, and is used only to flag whether a deal's ARV sits in the price band that typically supports buy-and-hold cashflow. Verify actual local comps before relying on it.
- Buy and Hold is recommended whenever cash left in the deal is at or below roughly $40,000 (including $0 / DWRS-style deals) and monthly cashflow clears the $350 bar — this includes deals with infinite returns, which are always the strongest play when available. Area median home price is shown for context only and does not override a qualifying Buy and Hold recommendation.
- Your contact details unlock your results and let our team follow up on this deal — we'll also email you a copy of your full breakdown. We don't sell or share your information.
- Appreciation rates are based on 10-year historical FHFA All-Transactions HPI averages by metro market. Future appreciation is not guaranteed. Projections are for planning purposes only.
- Depreciation is calculated assuming 22.5% land allocation for SFH (land is non-depreciable) and no land allocation for condos. Consult a tax professional for your specific basis and filing.
- Wholetail low scenario = high price minus 20% of the gross profit (markup). Assignment low = high price minus 20% of the assignment fee. This reflects market softness, not a 20% price cut.
- Buy-and-hold monthly cashflow subtracts DSCR principal & interest plus an operating-expense reserve (default 20% of rent for vacancy, maintenance, capex, and management). Property taxes and insurance are assumed escrowed in the DSCR PITI payment and are not deducted again. Wholetail selling cost, junkout cost, the reserve, and the DSCR rate are all adjustable under Advanced assumptions.
- DWRS stands for Diamond Wealth Real Estate System™ — a strategy based on The Diamond Wealth Real Estate System book, The Art of Intentional Leverage® by Peter Diamond, CBE®. The lender funds based on future ARV so the loan meets or exceeds total project cost, resulting in zero or negative cash deployed at close. DWRS projections are illustrative. Lender guidelines and appraisal may vary. Consult your lender.
- 1031 exchange triggers are illustrative thresholds. Always consult a qualified intermediary and tax professional before executing a 1031 exchange.
- Index comparisons use long-term historical averages (S&P 500 ~10.5%, Dow ~8%, NASDAQ ~11%, savings ~0.5%). Past performance does not guarantee future results.
- *Federal tax is estimated at a flat 30%. Actual tax may vary. Consult a tax professional 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.