Wholesale Analyzer

Underwrite wholesale deals — MAO, spread, buyer all-in, deal verdict. Auto-saves locally.

Home

Deal Setup

Property details, ARV, seller asking price, and repairs.

Address / nickname

Listing link (reference only)

ARV — After Repair Value ($)

Seller contract / negotiated price ($)

The price in your contract with the seller — before assignment fee and buyer closing costs.

Estimated repairs ($)

Deal Reality Check

Seller Price % of ARV

—

Repairs % of ARV

—

Verdict & Stress

Deal verdict, acquisitions guidance, stress scenarios, and report.

Verdict: —

Acquisitions Guidance

Stress Scenarios

How the deal holds up under realistic downside inputs.

ARV −10% — Spread

$—

Spread if ARV comes in 10% lower than estimated.

Repairs +10% — Spread

$—

Spread if repairs run 10% over budget.

Combined Downside — Spread

$—

Both ARV miss and repair overrun together.

MAO Sensitivity

MAO across buyer discount and ARV scenarios. Green = MAO ≥ seller asking. Red = no-go.

Discount ↓ / ARV →	−10% ARV	Base ARV	+10% ARV
Loading…

Primary rule: Seller asking must be at or below MAO. Secondary check: Buyer all-in should stay comfortably below ARV — 85% or less for a strong deal, 90% for solid, up to 95% for borderline. Above 95% is a structural no-go regardless of spread.

Auto-save — This page saves automatically in your browser. Export to move to another device.

📚 Terms & Definitions — Wholesale

▼

ARV — After Repair Value

The estimated market value of the property after all repairs are complete. Your entire wholesale deal is built on this number — use conservative comps, not optimistic ones.

MAO — Max Allowable Offer

The most you can pay the seller and still leave enough room for your assignment fee and the buyer's profit. Formula: Buyer Max − assignment fee.

Deal Spread

MAO minus the seller's asking price. A positive spread means the deal works at current numbers. A negative spread means the seller must come down or the deal is a no-go.

Assignment Fee

The profit you make as the wholesaler — the difference between what you contracted with the seller and what your buyer pays you. Typical range: $5,000–$25,000+ depending on the deal.

Buyer Discount

The percentage of ARV your cash buyer needs to be all-in at. Most fix-and-flip buyers want to be all-in at 65–75% of ARV. Know your buyer's number before you make an offer.

Buyer All-In

(Seller asking + assignment fee) + repairs + buyer closing costs. This is the total your buyer spends. It must stay below ARV — ideally 10%+ below — for the deal to be assignable.

Seller Net

What the seller actually walks away with after their closing costs. Useful for negotiation framing — sellers care about net proceeds, not gross asking price.

Motivated Seller

A seller who needs to sell quickly and is willing to accept below-market value. Common situations: divorce, foreclosure, inherited property, relocation, financial distress. Without motivation, wholesale rarely works.