SubTo Fix & Flip Calculator | AMP Live! Media

AMP Live! Media — Creative Real Estate Investing

SubTo Fix & Flip
Calculator

Analyze any Subject-To deal in real time. Enter your numbers — see your profit, MAO, ROI, and full deal scorecard instantly.

Subject-To Deals Fix & Flip Instant Analysis

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Property Address

Enter the subject property address

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A — PropStream / Property Data

ARV — After Repair ValueEstimated resale value after full rehab

Current Market Rent (mo.)Monthly rent if held as rental

Existing Mortgage BalanceAmount seller owes on mortgage

SubTo Interest Rate (%)Current rate on seller's mortgage

Monthly PITI PaymentPrincipal + Interest + Tax + Insurance

Foreclosure / Distress Factor

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B — Acquisition Costs

Purchase Price (your offer)

Cash to Seller at Closing

Catch-Up Arrears (if any)Back payments owed to bring current

Closing Costs (title/atty)

Earnest Money Deposit

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C — Rehab Budget

Total Rehab CostSum of all contractor bids

Contingency %Add 10–15% buffer for surprises

Expected Rehab Duration (mo.)

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D — Holding Costs & Finance

Hard Money Rate (if used %)

HML Points at Close

Additional Loan Amount (HML)

Property Tax (monthly)

Insurance (monthly)

Utilities (monthly)

HOA Fees (monthly)

Property Mgmt (monthly)

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E — Sale / Exit Costs

Agent Commission (%)

Seller Concessions (%)

Staging & Marketing ($)

Selling Closing Costs ($)

Avg Days on Market (area)

Comp Spread (High − Low $)Difference between highest and lowest comp

Solid Deal

Score: — / 12 pts

Address

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Profit Margin

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ROI

—

Ann. ROI

—

⚡ Calculating...

⚡ 1. SubTo Financing Advantage

Mortgage Balance Assumed—

SubTo Rate—

Market Rate (6.5%)6.50%

Rate Delta (Savings)—

Monthly Interest Savings—

Annual Interest Savings—

📊 2. Total Cost Summary

Total Rehab (w/ contingency)—

HML Points Cost—

Monthly HML Interest—

Total HML Hold Cost—

Monthly Other Hold Costs—

Total Hold Costs (all-in)—

🎯 3. MAO & Purchase Math

Resale Price (ARV)—

Agent + Concessions—

Staging + Selling Costs—

Net Resale Proceeds—

MAO — 70% Rule (standard)—

MAO — 65% Rule (conservative)—

MAO — SubTo Adjusted—

Your Purchase Price—

Purchase vs MAO 70%—

💵 4. Total Cash Required

Down / Cash to Seller—

Arrears Catch-Up—

Closing Costs (buy side)—

Rehab (with contingency)—

HML Points—

Hold Costs (all-in)—

Selling Costs—

TOTAL CASH IN —

📈 5. Profit Analysis

Gross Resale Proceeds—

Mortgage Payoff at Sale—

GROSS PROFIT —

Profit Margin %—

Return on Investment—

Annualized ROI—

SubTo Rate Savings (hold)—

Profit vs Conv. Financing—

📡 6. Market Velocity

DOM Velocity Rating—

Comp Spread Rating—

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SubTo Fix & FlipCalculator

Want to Close Deals Like This?Get the Full Blueprint.

SubTo Fix & Flip
Calculator

Want to Close Deals Like This?
Get the Full Blueprint.