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Fix and Flip Holding Cost Calculator
Holding cost is the silent killer of flips. Hard money at 11%, property tax, insurance, utilities, HOA all tick every day you hold. This calculator sizes total per-day burn and the break-even holding period.
Holding cost per day
$97.67
Monthly holding cost
$2,930
Interest portion
$2,200
6-month holding cost
$17,580
9-month holding cost
$26,370
How the math works
$240K × 11% = $2,200/mo interest + $730 other = $2,930/mo = $98/day. 6 months = $17,580 of holding cost burned.
Target 90-120 day flip timeline. Every month delay eats ~$3K. Plan aggressively; discover unknowns fast.
How to Use
- Enter hard money balance and rate.
- Add monthly property tax, insurance, utilities, HOA.
- See per-day holding cost and monthly total.
Frequently Asked Questions
What's typical flip holding cost?
$75-$250/day. Small ($100K) flip at 11% hard money: $30/day interest + $20/day everything else = $50/day. Large ($500K) flip: $200/day+.
How much holding cost kills a flip?
Every 30 extra days typically eats $1,500-$7,500 of profit. A flip timeline slipping 3 months = $6K-$30K gone. Plan timeline tightly and budget 20-30% more than estimate.
What about refinance?
Refi from hard money (11%) to a rental DSCR loan (8%) if you're converting to rental. But a pure flip exits at sale; refi only needed if holding as rental.
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