Rehab MAO

Max Allowable Offer | How much should I pay and still get funded?

HomeResidentialRehabRehab MAO Calculator

Use this to quickly estimate what a fundable loan looks like.

Defaults reflect a first-timer doing a light to moderate rehab of an inexpensive single-family residence in an urban or suburban area. Example: limited to replacing kitchen, baths, roof, HVAC, water heater, paint, and little more.

Basics
Purchase Price
$
Rehab
$ including contingency
A 10% contingency is common.
After Repair Value
$
ARV — what it sells for once the work is done.

We are at…

Cost — Purchase + Rehab
Cost as a percent of ARV
Purchase + Rehab at 70–75% of ARV is normal territory.

Potential Loan
Lender Limits
% of Purchase +
% of Rehab
up to % of ARV
With experience, you will know how to use different percentages.
Potential Loan
is the lesser of…
Purchase and Rehab limit
ARV limit
Down Payment
Does not include closing costs.

Find Our Max Allowable Offer (MAO)
Change the Rehab?
$ including contingency
Starts matching the Rehab above. Change the Rehab above and this resets to follow it again.
I'm Willing to Be At
of ARV
A higher amount is just a larger down payment.
MAO Purchase Price
New Cost — MAO + Rehab
Cost is now
New Loan Amount
is the lesser of…
Purchase and Rehab limit
ARV limit
New Down Payment
Does not include closing costs.

This calculator is for estimation purposes only. Actual loan terms, limits, and down payment requirements will vary based on lender requirements, property type, project scope, and borrower experience.

Numbers not working?

Some deals need a different structure. If the math is close but not there, that is a conversation worth having.

Get Connected