Wholesaling math has three numbers, and confusing them is how deals die at the closing table. Your buyer's max is what an investor can pay. Your assignment fee comes out of it. What's left is the number you can offer the seller. This calculator keeps the three separate, in the open, every time.
Step 1. Enter the After-Repair Value from sold renovated comps.
Step 2. Enter the Estimated Repairs — your buyer's contractor will re-price this, so honest beats pretty.
Step 3. Set the Buyer's Factor your real buyers actually pay at — 70% is the standard screen; ask your buyers list, don't assume.
Step 4. Enter Your Assignment Fee — a fee the deal can carry, not a fee you wish it could.
Step 5. Make your offer at or below Your Offer to the Seller. Above it, either your fee or your buyer's margin is fiction.
Buyer's Max = (ARV × Buyer's Factor) − Repairs. This is the end buyer's maximum allowable offer — the same math as the 70% Rule Calculator.
Your Offer to the Seller = Buyer's Max − Your Assignment Fee − Extra Costs. Extra Costs (Advanced, normally $0 on a clean assignment) covers a double closing's second set of closing costs when assignment isn't workable in your state or contract.
That subtraction is the whole ethics of wholesaling in one line: your fee is carved out of the spread between the seller's price and the buyer's max — it is never added on top of the buyer's max, and it is never hidden from the math. Buyers who see their margin protected bring you the next deal's closing. Sellers who were told the truth refer their neighbors.
The full path this calculator serves, step by step.
How to present the offer number this calculator gives you.
Your factor input is only real if your buyers are.
The rules differ by state — disclosure duties, licensing lines, and contract rules. Read your state's page in our Laws family before your first contract; several states require written disclosure that you are a wholesale buyer.
What the spread honestly carries. A fee that fits the math gets paid repeatedly; a fee that breaks the buyer's deal gets paid once, if the deal survives at all.
Then this deal, at this fee, doesn't work — lower the fee if the spread allows, or walk and stay in touch. Forcing a contract above the buyer's max is how wholesalers earn a reputation that ends the business.
Assignment. If your state or your contract requires a double closing, your costs rise (two closings) and the fee math must absorb them — add them to your thinking before you offer.