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ARV calculator and 70% rule calculator
Enter the after-repair value and your rehab budget. The calculator shows the highest price you can pay and still have 100% of the purchase and rehab funded.
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Estimate only. Loan amount is the lower of 100% of purchase plus rehab or 70% of the sale price when finished (after-repair value). Minimum loan $150,000. Business-purpose loans on investment property.
The 70% rule in one line
Maximum offer = 70% of after-repair value − rehab budget.
The rule leaves room for closing costs, holding costs, selling costs and profit. It is also the limit our loan is built on, so a deal that passes the 70% rule is a deal we can fund 100%.
| Deal | Amount |
|---|---|
| After-repair value | $350,000 |
| 70% of after-repair value | $245,000 |
| Rehab budget | $60,000 |
| Maximum offer | $185,000 |
How to estimate after-repair value in Dallas
- Pull sales of renovated houses within about half a mile, sold in the last 3 to 6 months.
- Stay in the same school attendance zone and on the same side of the big roads, since I-30, I-35E, US-75 and LBJ often split values.
- Match size, beds, baths, lot and age as closely as you can.
- Adjust for what you will actually build, not the best house on the street.
More detail in what is ARV.
When the numbers do not work
If your offer has to be higher than the maximum, you can still get a loan. It is capped at 70% of the after-repair value and you bring the difference. Run it in the hard money loan calculator to see exactly how much.
Hard money loans across Dallas–Fort Worth
We lend on investment houses throughout the DFW metroplex, in Dallas, Tarrant, Collin, Denton and surrounding counties.
Questions investors ask
Straight answers about the ARV and 70% rule calculator.
What is the 70% rule?
A guideline that says to pay no more than 70% of the after-repair value minus the rehab budget.
Is the 70% rule the same everywhere?
Investors adjust it, but our loan limit is 70% of after-repair value on every deal.
Where do I get comps?
Your agent or title company can pull recent sales. Use renovated houses close by and sold recently.
What is the smallest loan you make?
Loans start at $150,000.
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