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Free MAO Calculator

Plug in ARV, repairs, and your fee. Get your Maximum Allowable Offer instantly using the 70% rule.

After Repair Value (ARV)

What it'll sell for fully renovated

Estimated Repairs

Pad your estimate 20%

Your Assignment Fee

Typical range: $5K–$20K

Rule Percentage

Standard — most wholesaling markets

Buyer buys at

$210,000

ARV × 70%

Your Maximum Offer (MAO)

$165,000

$210,000 − $35,000 repairs − $10,000 fee

Sanity check: MAO looks reasonable. Leave yourself a $5K buffer when presenting the offer.

How the 70% Rule Works

MAO = (ARV × 70%) − Repairs − Your Fee

The 70% rule leaves room for your end-buyer (the cash buyer or flipper) to cover holding costs (~3–5% of ARV), resale costs (~8–10%), and their profit (~10–15%) after they finish the rehab. Your assignment fee sits on top.

In hot markets, experienced wholesalers sometimes use 75% or even 80%. In cold markets or for heavy-rehab deals, 65% is safer.

For a deeper breakdown, read the full MAO guide.

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