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Wholesale Offer Calculator
Not Financial Advice

Wholesale Offer Calculator

Discovery-call questions from your script → ARV & repair analysis → maximum offer price

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Click the field to pick a different agent already on file (auto-fills phone/email), or just type a new name. If this is an already-saved deal, switching agents saves that change to it immediately.
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"☁️ Load a previously saved deal" pulls in anything saved to your account from here, Deal Feed, or the Underwriter — deals with a full saved worksheet restore everything, others pre-fill what's known (name/broker) so you can build the rest. "Save Property" downloads a small file for this address — reopen this calculator anytime and use "Load Property" to pick up right where you left off across multiple calls. "Export CSV" downloads the discovery notes + full offer breakdown as a spreadsheet-ready file you can open or import anywhere (Excel, Google Sheets, Numbers). Email drafts leave a "[Your name]"/"(Your Phone Number)" placeholder in the signature for you to fill in before sending. "Listing agent / broker name"/"phone" are who this button sends to Airtable as the contact for the deal — connect Airtable on the Settings page. "Save Deal & Link Contact" saves this deal to your account (shared with the Deals & Contacts CRM tab) and lets you link a seller/agent/buyer contact to it with its own pipeline stage.

🔎 Pull comps for this address:

Zillow, Redfin, and Realtor.com open straight to the address (or its ZIP if they can't match it exactly). Propwire and Homes.com don't support a direct address link, so the address is copied to your clipboard — just paste it into their search box. "Sold Comps" pulls recently-sold listings for the property's ZIP code on Zillow. "Satellite View" opens Google Maps directly to a satellite/aerial photo of the address.

Property Details

Quick facts to have on hand for the call and to carry through to your export/CRM record. None of these feed the offer math — square footage for the repair estimate is entered on the Offer Calculator tab.

First Call — Discovery Script

Run through these live with the listing agent. Fields marked feeds calculator push straight into your offer math on the next tab.

Step 1–2 · Intro & Representation

Doubles the agent's commission if they represent both sides — biggest single lever for getting your offer prioritized.

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Step 3 · Motivation

Distress/urgency (foreclosure, divorce, death, relocation deadline) = leverage and a chance to be the most accommodating offer.

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Step 4 · Condition
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Step 5 · Major issues feeds repairs

These are the big-ticket items a simple base $/sqft repair rate won't catch. Roof and foundation scale with the size of the home, so those two are priced at ≈ $6/sqft of the property (using the sqft entered in Repair Costs) instead of a flat number; HVAC, electrical, and plumbing stay flat estimates.

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Step 6 · Upgrades feeds repairs

Recent bath/kitchen/roof/HVAC upgrades lower your repair budget — don't pay to redo what's already done.

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Step 7 · Special features

Views, lot, noise, neighbors — things not visible in photos that swing ARV up or down.

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Step 8 · Agent's ARV guess feeds ARV

Usually a rough number (agents are right only ~20–30% of the time) — use it as a starting point, then verify with your own comps.

Step 9 · Competition

If your competition is homeowners, you're probably not calling distressed enough leads. A single written offer beats several verbal ones.

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Step 10 · Purchase price & flexibility

Most properties sell below list — this finds the seller's real floor. Use as a sanity check against your calculated offer, not as the offer itself.

Handy to sanity-check against comps while you're still on the phone — computed from List price ÷ Square footage (falls back to the Agent-stated floor if no list price is entered). Same square footage used for the repair-cost estimate on the Offer Calculator tab — entering it here fills it in there too. If either is below your calculated Max Offer to Seller, the Calculator tab shows how much extra profit you could keep by offering the lower of the two instead of your full ceiling.

Step 11 · Offer terms seller wants
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Step 12 · Review timeline
Step 13 · Other buyers agent represents
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Step 14 · Off-market pipeline
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Step 15 · Wrap-up

"Our offer will be justified with thorough research — let me meet with my team and get back to you shortly." Buys you time to run the numbers below before the close call.

Your Offer, Justified

Max Offer to Seller (call this in)
$0
Price you quote your cash buyer (fee built in)
$0
Your wholesale fee
$0

Exit Strategy Comparison

Pick the exit strategy you're actually planning to run on this deal — it drives the numbers above and can change how much you offer the seller.

Drives the headline numbers above, the breakdown table, and the buyer/partner email below — e.g. selecting JV with "no money down" checked below immediately zeroes out holding costs in the offer, since the lender covers them until the house sells.
Off (default): Max Offer to Seller follows whichever exit strategy is selected above. On: ignores the selected strategy and always shows the fixed wholesale-formula offer — handy for comparing against the strategy-adjusted number.

All four rows below assume you pay the same repair/holding costs — Wholesale, Flip, and JV also assume you sell at ARV, while BRRRR assumes you refinance and keep the property instead. They differ in who's funding the deal, how carrying costs work, how the upside gets split or pulled out, and each uses its own acquisition price.

Typical hard-money structure: the lender funds the rehab in full and most of the purchase; you cover the down payment plus interest-only payments out of pocket during the hold.
Title/escrow/recording on the buy side — separate from the resale-side "Selling & closing costs" above. Defaults to 0 so this doesn't change any deal you've already run; set it if you want a tighter cash-required number.
Your share of the 50/50 (or whatever split you set) financing-partner flip below. Because you split the profit with the partner, your offer is sized so YOUR share alone still clears a 20%-of-ARV floor — the higher your split %, the more room there is to offer the seller.
Buy, Rehab, Rent, Refinance, Repeat — you buy and rehab the property, rent it out, then do a cash-out refinance sized to the bank's max loan-to-value against the new appraised value (ARV). This works out the highest purchase price where that refinance still pays off everything you put in and leaves you the extra cash-out percentage you want, so the property funds its own down payment for the next one.
Most conventional/DSCR rental refinances cap around 75–80% of appraised value (ARV) — 80% is the common ceiling.
0% = the refinance just returns 100% of your cash. 10% (default) means the refinance needs to hand back your full investment plus an extra 10% in cash.
Shares the "Purchase-side closing costs" input from the Flip section above — it's the same real cost either way.

1 · After Repair Value (ARV)

From comps: renovated, same city/zip, sold in the last 6 months, within ~½ mile, model match where possible.

$

Comps Worksheet — build your ARV from real sold comps

Use the comp-pulling buttons above (Zillow, Redfin, Realtor.com, Homes.com, Propwire, Sold Comps by ZIP) to find recently-sold homes near the subject property, then enter each one's sold price and sqft below. Rows are auto-flagged as a match when their sqft is within tolerance of the subject — but nothing is added to your ARV average until you tick "Include," so you always pick the final set yourself.

Sold price Sqft $/sqft Match Include

2 · Repair Costs

Quick estimate: ask your cash buyer their $/sq ft renovation rule, then adjust for major issues (Step 5) and recent upgrades (Step 6) from the discovery call.

$
Major-issue add-ons and upgrade credit from the Discovery Call tab are applied automatically below.
$
Rule of thumb from the script: aim to land within $3,000–$5,000 of the true number — don't overanalyze, use the rule and move.

3 · Selling & Closing Costs

What your cash buyer will pay to resell: agent commissions, title/escrow, transfer taxes, etc. — applied against ARV.

% ≈ $40,000

4 · Holding Costs

Taxes, insurance, utilities, and financing while the cash buyer renovates and resells — figured as a rate of ARV per month.

% ≈ $0/mo

5 · Cash Buyer's Minimum Profit

Learned directly from your cash buyer conversations (buy-box calls) — their non-negotiable profit floor.

%
$

6 · Your Wholesale (Assignment) Fee

$
Script benchmark: ~15 written offers → one $10k fee as a beginner; advanced wholesalers land $20k–$40k+ on fewer, better offers.
Reference only — the crude "70% Rule" (script explicitly warns against relying on this alone)

70% × ARV − Repairs = $0. The script calls this a "paper napkin math rule" that ignores closing costs, holding costs, and the buyer's actual profit needs — using it alone will make you uncompetitive on offers. It's shown here only as a gut-check, not as your real number.

Close Call Script (Call #2)

Once your numbers above are set, call the agent back same-day and present the offer live — don't just email or text it.

  1. Re-open: "Hey [Agent], this is [You]. Calling back on [address] — looking forward to getting an offer in today and having you represent us."
  2. Present with justification, then go silent: "We finished analyzing the property's costs — renovation, closing costs, holding costs, taxes, insurance. Accounting for all of that, we can do an all-cash offer today with a 7-day inspection, 14-day close, at $—."
  3. Confirm next steps: proof of funds + offer terms sent by email right after the call; confirm the agent's email; digital vs. wet signature; get a time commitment for when the signed offer comes back.
  4. Push for same-day review: "Will the seller be able to review our offer today?"

Objection Handling

"That seems a little low..."

"I completely understand — I'd come in higher if I could right now, but an offer in is better than no offer. What if we get the process started with this contract and work toward a mutually beneficial number together?"

"There are higher offers on the table."

"I understand there may be higher offers — but the highest offer isn't always the best. Inexperienced investors often come in high, then ask for reductions at inspection. Ours is real, reliable, and we intend to stick to it. If the higher offers fall through — and 40–50% of the time they do — ours is still there."

"The seller wants highest and best."

"Totally understand. Sometimes the highest offer isn't the best offer, since inexperienced buyers ask for price reductions near closing. We'd rather build a long-term relationship than waste your time — our number is one we can commit to. How about we get it in today and see where it takes us?"

Offer Terms Checklist (send with proof of funds)

  • Purchaser name (and note the agent as buyer's agent — dual commission)
  • Earnest money deposit (EMD) — typically ~$10,000, refundable within 72 hrs
  • Inspection contingency — 7 days (your back-out clause; always include one)
  • Closing timeline — 14 days or sooner
  • Proof of funds (POF) — bank statement or hard-money/transactional lender letter covering the offer amount

Generate an Email From This Deal

Pulls straight from your Discovery Call answers and Offer Calculator numbers. Pick who it's going to, then send it three ways: open it directly in Gmail, open it in your default mail app, or download it as a prompt file to hand to another AI assistant (ChatGPT, Copilot, etc.) to polish.

💰 Seller Financing Comparison (optional)

Shows the seller how much MORE they'd collect in total if they carry the note themselves (seller financing) instead of taking your cash offer under whichever exit strategy is currently selected on the Offer Calculator tab — a stronger pitch for a seller who doesn't need all their cash today, or as a way to sweeten a lower cash number without raising it.

"Open in Gmail" opens Gmail's compose window in a new tab with the To/Subject/Body already filled in — nothing sends until you click Send yourself. If you don't use Gmail, "Open in Default Mail App" does the same thing through your computer's normal mail handler. Edit the subject/body above before sending either way — they're a starting draft, not a final copy.

Edit contact

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🤖 Paste a Listing

Paste a Zillow/Redfin link and I'll try to read it directly — that often gets blocked by the site's bot protection, in which case paste the listing's visible text instead (select all on the page, copy, paste below) and I'll extract the same fields either way.

📋 Paste Comps

Paste the text of one or more sold comps (copy from Zillow/Redfin/Realtor.com — a few at once is fine) and I'll pull out each one's sold price and sqft into rows below, ready to add to your Comps Worksheet.

🤖 Summarize a Conversation

Part of the Pro plan. Paste (or type) a summary of your call — rough notes, a transcript, or just a quick paragraph — and I'll pull out what fits into the Discovery Call script below, ready to review before anything gets filled in.

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