Manna Lending

INVESTOR RESOURCES

Max Allowable Offer Calculator

Know Your Numbers Before You Write an Offer

Your deal

$
$
%
mo
Completed a flip before?
YOUR MAX ALLOWABLE OFFER
$220,000
70% of $400,000 ARV, minus $60,000 rehab
PROFIT IF YOU BUY AT THE MAX
$65,880
16.5% of ARV
0%10%15%25%+
On target. This deal pencils.

How does your offer compare?

Optional. Enter the price you are thinking of offering.

We will show how it stacks up against your max of $220,000, and what it does to your profit.

How much could you borrow?

Under qualifying circumstances, you could potentially get up to:

UP TO
$252,000

Based on buying at the max allowable offer. Limited by Loan-to-cost, at 63.0% of ARV. You would put in about $54,120.

WHAT DECIDES YOUR ACTUAL TERMS
  • Your credit score (FICO)
  • The flips you have completed
  • The lender and program you choose. Rates and points vary.
  • The property and your plan

This is not a quote, pre-qualification or commitment to lend. All loans are subject to underwriting and verification of experience.

See what you qualify for

Total cash invested

Based on buying at the max allowable offer — everything you’d put in over the life of this deal, after the loan, is what cash-on-cash return below is measured against.

TOTAL CASH INVESTED
$54,120
PROJECTED CASH-ON-CASH RETURN
121.7%

Not a quote or commitment to lend.

Purchase price$220,000
Rehab$60,000
Buying closing costs$4,400
Lender points$5,040
Loan interest$13,230
Holding costs$3,450
Total project cost$306,120
Less: loan proceeds (up to)−$252,000
Cash to close$9,440

Cash to close assumes the loan is drawn against the purchase price first, with rehab released in draws later — not due at this closing. Your actual split depends on the lender.

Where every dollar goes

Bars show each item as a share of ARV, based on buying at the max allowable offer.

Purchase price$220,000
Rehab$60,000
Buying closing costs$4,400
Lender points$5,040
Loan interest$13,230
Holding costs$3,450
Selling costs$28,000
Your profit$65,880

If the sale price comes in lower

Based on buying at the max allowable offer. Costs stay the same; only the sale price moves.

As planned
Sells for $400,000
$65,880
16.5% On target
Sale price 5% lower
Sells for $380,000
$47,280
12.4% Thin
Sale price 10% lower
Sells for $360,000
$28,680
8.0% Below target
Sale price 15% lower
Sells for $340,000
$10,080
3.0% Below target

Take this deal with you

The same calculator in Excel, with live formulas, so you can keep testing deals. Your numbers come pre-filled.

Estimates for planning purposes only. Not a quote, pre-qualification or commitment to lend. Terms vary by program and are subject to underwriting approval. Manna Lending is a lending brokerage, not a lender. We connect real estate investors with third-party licensed lenders. Investor and business-purpose loans only. Questions about a deal? Text or call 269-267-7506.

This calculator is an estimate for planning purposes only and is not a quote, pre-qualification, or commitment to lend. Terms vary by program and are subject to underwriting approval.

Max Allowable Offer Calculator — Manna Lending