Nick's Real Estate Investment Calculator

Real Estate Investment Calculator

Flips • BRRRR • Long-Term Rentals • HELOC/LOC-funded deals — defaults set to Nick's numbers (Jul 2026). All figures are estimates; verify rates, taxes, and closing costs per deal.

⚙ My Defaults & Benchmarks (click to edit — applies everywhere)

HELOC rate %

HELOC available $

LOC rate %

LOC available $

Line amortization (yrs, P&I, both)

AMEX BLOC available $

AMEX monthly fee % of draw

AMEX card limit $ (emergencies)

AMEX card rate % (variable)

Down payment %

Mortgage rate %

Loan term (yrs)

Buy closing costs %

Vacancy % of rent

Repairs + CapEx % of rent

Management % of rent

Sale commission % (flips)

Sell closing costs %

Min cash-on-cash %

Min DSCR

70% rule factor %

Min flip profit $

Min flip ROI %

Max BRRRR cash left in $

Property & Purchase

Purchase price $

Upfront rehab $

HELOC / LOC Funding

Draw from HELOC (8.75%) $

Draw from LOC (7.24%) $

Draw from AMEX BLOC (0.55%/mo) $

AMEX installment term

Income & Expenses (monthly)

Rent $

Other income $

Property taxes $

Insurance $

HOA $

Owner-paid utilities $

Results

Verdict

Buy & Rehab

Purchase price $

Rehab budget $

Holding period (months)

Holding costs / month $

Funding (before refi)

Draw from HELOC (8.75%) $

Draw from LOC (7.24%) $

Draw from AMEX BLOC (0.55%/mo) $

AMEX installment term

Emergency card draw (16.74%) $

Refinance

After-repair value (ARV) $

Refi LTV %

Refi closing costs %

Rent Phase (monthly)

Rent $

Property taxes $

Insurance $

HOA / utilities $

Results

Verdict

Buy & Rehab

Purchase price $

Rehab budget $

Holding period (months)

Holding costs / month $

Funding

Draw from HELOC (8.75%) $

Draw from LOC (7.24%) $

Draw from AMEX BLOC (0.55%/mo) $

AMEX installment term

Emergency card draw (16.74%) $

Sale

Expected sale price (ARV) $

Commission default is 2.5% — buyer's agent only, since you list it yourself.