The Trap Calc

Acquisitions Underwriting · v3.1

Live Calc

Property Address

Beds

Baths

Square Feet

Year Built

Cash Deal

Main Strategy

ARV

Renovations

Flipper Profit (½ Reno)

Hard Money Fees

Title Fees

Commissions %

Assignment Fee 💰

Price Anchor

92.5% of Need Deal At

Need Deal At

Will Sell For $0

Renovation Estimator

Rehab Cheat Sheet

Cosmetic (SqFt)

Windows (#)

Roof

Plumbing

Electrical

HVAC

Total Estimated Reno

Auto-feed total into Cash Deal Renovations →

Novation

List Ready & Flexible Timeline

As-Is Value

Buyer Repairs

Buyer Concessions

Title Fees

Commissions %

Assignment Fee 💰

Need Deal At

Assignment Fee Goal $0 As-Is Value $0

Hard Money Terms

Loan Amount

Rate (%)

Monthly Interest

Months Held

Origination (%)

Origination $

Total Hard Money Fees

⚠ Unlocked — Custom Terms You've overridden the OHO-approved hard money terms. The defaults (12% rate, 6 months held, 2% origination on 90% LTV) reflect terms negotiated with our preferred capital partners. Custom values may not reflect actual loan availability. Click 🔒 OHO-Approved to restore and re-lock, or ↻ Reset to wipe back to defaults.

Reno Logic: Cosmetic = $20,000 base + $10/sqft (1,001–2,500) + $15/sqft (>2,500) · Windows = $500 ea · Roof Replace = min($30k, sqft × $10), Repair = 25% · Plumbing Replace = min($40k, sqft × $17.50), Repair = 25% · Electrical Replace = min($35k, $15,000 + (sqft − 1,000) × $10), Repair = 25%

Rental Cashflow Underwriting

Cash Flow Analysis

Rent Calculator

Housing Authority

Zip Code

Bedrooms

Manual Rent $

Monthly Rent · —

🏘Compare to Zillow Market Rent ↗

Loan Calculator

As-Is Value

LTV

Down$0

Loan$0

Rate

Term (years)

Monthly P&I

Cashflow & Returns

Monthly Rent

Monthly P&I

Property Tax (annual)

Insurance (annual)

Property Mgmt %

Net Monthly Cash Flow · Yearly $0

—

Cash on Cash Return · Down $0

Notes: All calculations live — change any value and downstream numbers recalc instantly. The Cash side "Need Deal At" preserves the Excel formula: ARV − Reno − Flipper Profit − Title − Commissions − HM Fees − Assignment Fee. DSCR ratio = Monthly Rent ÷ (P&I + Tax + Insurance). Most lenders require ≥ 1.20x. Press Ctrl/Cmd + P or click Print / PDF for a clean export for sellers or partners. Section 8 rent table reflects CMHA FY2026 Payment Standards (effective 1/1/2026). Update CMHA_TIER_FY2026 when the next standards drop.