Calculate the monthly carrying costs for your flip or investment property. Every month you hold a property costs money - make sure you account for loan interest, taxes, insurance, utilities, and maintenance.
Every month you hold eats into your profit. See how holding costs impact your bottom line with our full calculator.
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Holding costs are the ongoing expenses incurred while you own a property. For flippers, these costs eat into profits every month the project runs long. Accurate holding cost calculation is essential.
Mortgage/Hard money interest payment, property taxes (monthly portion), insurance, utilities (electric, gas, water), lawn care/maintenance, HOA fees (if applicable), and security/vacancy costs.
Monthly Holding Cost = Interest + Taxes + Insurance + Utilities + MaintenanceMultiply monthly costs by your estimated hold time. Add 1-2 months buffer for unexpected delays. A 6-month flip with $3,000/month holding costs means $18,000-$24,000 in carrying costs.
Speed is money in flipping. Create detailed schedules, have contractors lined up before closing, order materials early, and price to sell quickly rather than squeezing every dollar from the sale price.
Holding costs are the monthly expenses you incur while owning an investment property. They include loan payments, property taxes, insurance, utilities, HOA fees, and maintenance.
Every month you hold a flip costs money. A typical flip might have $2,000-$4,000/month in holding costs. A 2-month delay can eat $4,000-$8,000 of your profit.
Speed is key: have contractors lined up before closing, get permits early, and list as soon as renovation is complete. Also consider interest-only loans and higher deductibles on insurance.
Calculate flip profits, ROI, and break-even points
Calculate loan costs and payments
Estimate renovation costs