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Find Your Maximum Allowable Offer — Both Sides of the Deal

Two ceilings, chained together. First, find the most your end buyer can likely pay you. Then find the most you can offer the seller and still leave room for your spread, costs, and funding.

1Buyer-Side Ceiling (B-C)
→
2Seller-Side Ceiling (A-B)

Step 1 of 2

What Can Your End Buyer (C) Likely Pay?

Most B-C buyers are working backward from what the property will be worth once it's fixed up — not what it's worth today.

Before you run the numbers: this tool only does math on what you type in. It doesn't verify your comps, condition, repair estimates, or costs, and it isn't tax, legal, or funding advice. RyanHasMoney.com isn't liable for decisions made using it — verify everything independently before you sign anything.

Buyer-Side Inputs

$
$
$
%

The return your end buyer needs to make the deal worth their time, expressed as a percent of ARV.

$

Buyer-Side Ceiling

ARV$0
Repair Costs− $0
Closing & Transaction Costs− $0
Buyer's Required Margin− $0
Holding & Financing− $0
Maximum B-C Price
$0
At these numbers, there's no room for your end buyer at all. Revisit the ARV or repair estimate before going further.

Step 2 of 2

What Can You Offer the Seller (A)?

Starting from your B-C ceiling, back out your own required spread, transaction costs, and a contingency cushion.

Seller-Side Inputs

$
$
$
$
$
$

Comes from your own comps. Not required, but it's a useful sanity check on the number below.

Seller-Side Ceiling

B-C Sale Price$0
Your Required Spread− $0
Closing & Title Costs− $0
Funding Cost− $0
Contingency− $0
Maximum Allowable Offer to Seller
$0
There's no room in this deal at these numbers. ARV, repairs, or your cost estimates need to change before this is worth pursuing.
This maximum offer is higher than your estimated as-is value. Revisit your comps before offering here.

Screen the Economics

Run Three Cases, Not Just the One You're Hoping For

Same inputs, stress-tested. If a small change in ARV or repairs wipes out your room, you don't have much margin for error.

  Expected Downside Walk-Away
ARV assumption $0 $0 $0
Repair cost assumption $0 $0 $0
Maximum B-C Price $0 $0 $0
Maximum Offer to Seller $0 $0 $0

Downside assumes ARV 5% lower and repair costs 15% higher than your entry. Walk-Away assumes ARV 10% lower and repair costs 25% higher. Your required margin, spread, and costs are held constant — these are illustrative starting points for stress-testing your own deal, not a rule about how real markets behave.

This Is a Ceiling, Not a Target

The maximum allowable offer is the most you can pay — not what you should open with. Negotiate below it. A seller accepting your maximum leaves you with zero cushion for the assumptions that turn out to be wrong. Leave room.

Have Your Numbers?

Cross-check the spread on the Deal Calculator, then practice spotting good and bad numbers in the Deal Lab before you commit to anything.

Open the Deal Calculator Practice in the Deal Lab Request Funding

This calculator is for educational purposes only. It is not tax, business, or legal advice, and it is not an offer, commitment, quote, or appraisal. Figures are illustrative only and are based solely on the numbers entered by the user; RyanHasMoney.com does not verify their accuracy. Actual value, repair costs, and transaction costs must be independently verified. Funding and transaction decisions are subject to independent review, due diligence, terms, conditions, and approval. Results vary. No guarantee of funding, closing, success, or profit is made or implied. RyanHasMoney.com is not liable for decisions made or actions taken based on this tool.