Calculadora de Oferta Máxima Permitida Gratis
Calcula la oferta máxima permitida (MAO) para inversiones inmobiliarias usando la regla del 70% del ARV.
Maximum Allowable Offer
$160,000
Maximum Allowable Offer vs After Repair Value (ARV)
Fórmula
## Maximum Allowable Offer (MAO) The MAO is the highest price you should pay for an investment property to achieve your target return. ### The 70% Rule **MAO = ARV x 70% - Rehab Costs** This leaves a 30% buffer for profit, selling costs, and holding costs. Experienced investors may adjust the percentage based on the deal. ### Adjusting the Percentage - **65%**: Conservative (higher-risk areas, uncertain rehab) - **70%**: Standard (most flip scenarios) - **75%**: Aggressive (low-risk areas, experienced flipper) - **80%**: Buy-and-hold (rental investors with lower profit target) ### Wholesale Adjustment If buying from a wholesaler, subtract their assignment fee from the MAO to keep the deal profitable.
Ejemplo Resuelto
ARV $300,000, rehab $45,000, 70% rule, no wholesale fee, $5,000 buying closing costs.
- 01ARV target: $300,000 x 70% = $210,000
- 02MAO: $210,000 - $45,000 - $0 - $5,000 = $160,000
- 03Total project cost at MAO: $160,000 + $45,000 + $5,000 = $210,000
- 04Estimated profit: $300,000 - $210,000 = $90,000
- 05Purchase as % of ARV: $160,000 / $300,000 = 53.3%
- 06Profit margin: $90,000 / $300,000 = 30.0%
Preguntas Frecuentes
Why use 70% and not a higher percentage?
The 30% buffer accounts for selling costs (8-10%), holding costs (3-5%), and profit (15-20%). Using a higher percentage reduces your margin of safety. In competitive markets, some investors go to 75%, but this leaves less room for error.
Should I always use the 70% rule?
The 70% rule is a quick screening tool, not a replacement for detailed analysis. Always run a full deal analysis with actual holding costs, selling costs, and financing costs. The 70% rule gets you in the ballpark; detailed analysis confirms the deal.
How accurate are rehab estimates for MAO?
Rehab estimates are the biggest variable in MAO calculations. Overestimate rehab by 15-20% for safety. Walk the property with a contractor before making an offer. Inaccurate rehab estimates cause more flip failures than any other factor.