70% Rule Calculator

Calculate Maximum Allowable Offer for fix & flip. MAO = ARV × 70% − Repairs. Used by wholesalers and flippers.

InputsMAO Calculator

Property Details

After Repair Value (ARV)?

Estimated Repair Costs?

Buyer Discount %?

Wholesale Fee (if applicable)?

Your Asking Price?

Standard 70% Rule70% of ARV

Enter ARV and repairs to calculate MAO

Max Offer (MAO)

—

at 70% rule

Your Asking Price

—

Spread / Room

—

MAO − asking price

Buyer Profit Est.

—

ARV − all costs

MAO Calculation

ARV—

× Discount %—

= Discounted Value—

− Repair Costs—

− Wholesale Fee—

= Maximum Allowable Offer—

Sensitivity AnalysisAt different discount %

Enter ARV to see sensitivity table

MAO at Different Discount Rates

At 65% (conservative)—

At 70% (standard)—

At 75% (aggressive)—

At 80% (very aggressive)—

Profit at Different Sale Prices

If sold at ARV—

If sold at ARV −5%—

If sold at ARV −10%—

If repairs run 20% over—

📄 Email My Report

Get this MAO analysis sent to your inbox.

📐

MAO Formula

MAO = ARV × Discount% − Repairs − Wholesale Fee. Always start with your ARV.

🏚️

Finding ARV

Use sold comparables within 0.5 miles, similar size, similar condition, sold within 6 months.

🎯

Asking Price Check

Enter the seller's asking price — we'll tell you immediately if it passes the 70% rule.

⚡

Sensitivity Table

Shows your MAO at 65–80% discount rates so you can negotiate with confidence.

The 70% Rule states that a real estate investor should pay no more than 70% of the After Repair Value (ARV) minus the cost of repairs. This leaves a 30% margin to cover holding costs, closing costs, financing costs, and profit. It is the most widely used quick-analysis tool in fix-and-flip investing and wholesaling.