Profit Calculator - Roberto Castro

🏠 Profit Calculator

Roberto Castro · v1.3 · Real Estate Deal Analyzer · @IamRobertoCastro
Deal Calculator – LTC
Deal Calculator – LTV
📋 Phase 1 — Buying Cost
Deal Inputs
Asking Price
ARV
Est. Rehab
Holding Time (months)
Buying Expenses
Title Company (1.2%) $1,416
Mortgage Closing Cost $2,490
Origination Points $3,474
Building Risk Ins (0.9%/yr) $1,390
EMD
Down Payment $23,600
Total Buying Cost $32,370
🔨 Phase 2 — Holding Cost
Utilities/mo $1,500
Rehab Cash (out-of-pocket) $15,000
HOA
Staging Fees
Draws Inspections (HML) $530
HML Interest $7,527
Total Holding Cost $24,557
HML Settings
Hard Money Lender
AP Loan % %
Rehab Loan % %
Interest Rate %
Orig Points %
Draw Inspections
AP Loan
$94,400
Rehab Loan
$60,000
Total HML
$154,400 (59.4% of ARV)
💰 Phase 3 — Selling Cost
Closing Cost (1.5%) $3,900
Realtor Commissions (4.5%) $11,700
Total Selling Cost $15,600
📊 Results
Total Project Cost $226,927
Capital Required (out-of-pocket) $56,927
Contingency %
💵 TOTAL PROFIT $33,073
ROI – Project 14.6%
Cash-on-Cash Return 58.1%
📋 Phase 1 — Buying Cost
Deal Inputs
Asking Price
ARV
Est. Rehab
Holding Time (months)
Buying Expenses
Title Company (1.2%) $2,580
Mortgage Closing Cost $2,490
Origination Points $4,899
Building Risk Ins (0.9%/yr) $1,960
EMD
Down Payment $57,240
Total Buying Cost $69,169
🔨 Phase 2 — Holding Cost
Utilities/mo $900
Rehab Cash (out-of-pocket) $0
HOA
Staging Fees
Draws Inspections (HML) $530
HML Interest $10,615
Total Holding Cost $12,045
HML Settings
Hard Money Lender (LTV-based)
LTV % (Total Loan / ARV) %
Interest Rate %
Orig Points %
Draw Inspections
Total HML Loan
$217,750
AP Loan (HML – Rehab)
$157,750
Rehab Loan (100% funded)
$60,000
💰 Phase 3 — Selling Cost
Closing Cost (1.5%) $5,025
Realtor Commissions (4.5%) $15,075
Total Selling Cost $20,100
📊 Results
Total Project Cost $319,064
Capital Required (out-of-pocket) $81,214
Contingency %
💵 TOTAL PROFIT $15,936
ROI – Project 5.0%
Cash-on-Cash Return 19.6%