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Holding Costs
Estimate monthly and total holding costs for a flip or rehab.
Parcel Platform
Mar 4, 2026
Holding Costs
6 months • $3,350/mo
Interest (simple)
Other monthly holding costs
Monthly Holding Total
$3,350
Total Holding Costs
$20,100
Interest Portion
$15,000
Holding costs can quietly kill flip margins. Use conservative hold months and include utilities, insurance, and interest.
How this calculator works
Holding costs (carrying costs) are the monthly expenses you pay while renovating or selling a property. This tool helps you estimate your total burn over a hold period.
What it includes
- Monthly holding cost estimate
- Total holding cost over hold period
- Simple breakdown
How to use it
- Enter how many months you expect to hold the property.
- Enter monthly costs like interest, taxes, insurance, utilities, and HOA.
- Use the total in your MAO and flip profit calculations.
FAQ
What should be included in holding costs?
Common items: loan interest, property taxes, insurance, utilities, HOA dues, lawn/snow, and any security/maintenance during rehab.
Are lender points a holding cost?
Points are usually an upfront financing cost. You can include them in total deal costs, but they’re separate from monthly holding costs.
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