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MAO Calculator (Flip / 70% Rule)

Estimate maximum allowable offer for a flip from ARV, rehab, and costs.

Parcel Platform
Mar 4, 2026
MAO Calculator (Flip / 70% Rule)
ARV $400,000 • Rehab $60,000
MAO (detailed)
$271,569
70% Rule MAO
$220,000
Holding Costs
$9,000
Selling Costs
$24,000

MAO is an estimate. Always validate ARV, rehab scope, and holding time — small changes can move your MAO a lot.

What is MAO (Flip / 70% Rule)?

MAO (Maximum Allowable Offer) is the highest price you can pay for a fix-and-flip property while still achieving your target profit. The 70% rule is a common MAO guideline used by house flippers.

Formula
MAO = (ARV × 70%) − Rehab Cost, or MAO = ARV − Rehab − Holding Costs − Selling Costs − Profit

How this calculator works

MAO (Maximum Allowable Offer) helps you estimate what you can pay for a flip while leaving room for rehab, holding costs, selling costs, and profit.

What it includes
  • MAO estimate
  • Selling cost assumptions
  • Holding costs + profit targets
  • Simple deal breakdown
How to use it
  1. Enter ARV (After Repair Value) and your rehab budget (include contingency).
  2. Add selling costs (commissions + closing costs) and holding costs.
  3. Set your desired profit target.
  4. Use the MAO as a starting point and adjust to your market and risk tolerance.

FAQ

Does the 70% rule always apply?
No. It’s a heuristic. Some markets and deal types use different targets based on competition, financing, and risk.
What costs should I include?
At a minimum: selling costs (agent commissions + closing), holding costs (interest, taxes, insurance, utilities), and a rehab contingency.
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