Wholesale Real Estate Calculator
Enter the ARV, repairs, and your fee to get your Maximum Allowable Offer using the 70% rule — so you know your ceiling before you make an offer.
Most cash buyers use 70%. Tighten to 65% in a soft market, loosen to 75–80% in a hot one.
The most you can offer and still leave room for your buyer's profit and your fee.
Estimates only — for education, not financial advice. Always verify your ARV with real comparable sales and your repairs with a contractor before making an offer.
The simple math behind every wholesale deal
The calculator runs one formula — the same one experienced investors use to decide what to offer:
Example: $300,000 ARV × 70% = $210,000 − $35,000 repairs − $10,000 fee = a $165,000 max offer.
What is the Maximum Allowable Offer (MAO)?
Your MAO is the most you can pay for a house and still leave room for your cash buyer's profit andyour own fee. Offer at or below it. If a listing doesn't pencil out, you skip it — don't fall in love with the house.
How to find the ARV
ARV (After-Repair Value) is what the home is worth fixed up. Pull 3–5 nearby homes that sold in the last 6 months, similar in size (within ~20%), same beds/baths, already renovated, within about half a mile — then average their sale prices.
How to estimate repairs
A quick rule of thumb is about $35 per square foot for a cosmetic refresh ($30–$40+ depending on your area; full gut jobs run higher). For a precise number, get a contractor's estimate before you close.
Wholesale calculator FAQ
The 70% rule, ARV, MAO, and repairs — in plain English.
Add this calculator to your site
Run a real estate blog or coach new wholesalers? Drop the calculator on your own site for free — it resizes itself to fit and links back here. Just paste this code where you want it to appear.
<iframe src="https://dispostack.com/embed/wholesale-calculator" title="Free Wholesale Calculator by DispoStack" loading="lazy" style="border:0;width:100%;max-width:720px;height:640px" id="dispostack-wholesale-calc"></iframe>
<script>window.addEventListener("message",function(e){if(e.origin!=="https://dispostack.com")return;if(e.data&&e.data.t==="ds-calc-h"&&typeof e.data.h==="number"&&e.data.h>0&&e.data.h<5000){var f=document.getElementById("dispostack-wholesale-calc");if(f){f.style.height=e.data.h+"px";}}});</script>Run the numbers on every deal — automatically
DispoStack pulls the value estimate, builds your repair scope, and calculates your offer for you — then helps you find cash buyers and send the contract. The free calculator is just the start.
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