Wholesale deal math

Get the buyer's max price, then take your fee off it.

Arvo doesn't have a wholesale mode. What it gives you is the number your cash buyer is solving for: an ARV from filtered sold comps, a repair estimate, and the flip max allowable offer. Subtract your assignment fee from that and you have your offer to the seller.

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The Wholesale Formula
Your offer = (ARV × 70% − Repairs) − Your Fee

The part in parentheses is the flip MAO on every Arvo report: ARV from the median $/sqft of filtered sold comps, minus the repair estimate. Your fee is the one number you subtract yourself.

What the report gives you

The numbers a wholesale offer is built on

Stop doing manual comps and guessing on repairs. Arvo gives you comp-backed numbers in about a minute, with the math shown.

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Flip Max Allowable Offer

ARV × 70% minus the repair estimate, shown on the Fix & Flip strategy. There is no fee field; take your assignment fee off this number yourself.

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Instant Live Comps

Recent sold comps pulled automatically and filtered by size, beds, baths, distance and recency — with the excluded ones listed. No more manual research across listing sites.

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Repair Estimate

An AI estimate from the listing's condition and your notes, priced at local rates and flagged above $80/sqft and $100/sqft. On Pro, upload photos for an itemized estimate. Edit any line before you trust it.

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Flip Score (0-100)

Your buyer's view of the deal: the Fix & Flip score weighs flip ROI (40%), net profit (40%) and how far the price sits below the 70% MAO (20%). It uses only those financial metrics.

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Your Fee, By Hand

Arvo doesn't model assignment fees or double closes. Once you have the flip MAO, the spread is simple subtraction: buyer's max price minus your contract price.

PDF You Can Send

Solo, Pro and Team export a PDF with the comps, repair estimate and flip numbers to send to a cash buyer. Pro and Team add your logo.

How It Works

Price a wholesale deal in 3 steps

1

Enter the property address

Type any US property address. Arvo pulls property data, tax records, and nearby comparable sales in seconds.

2

Read the flip MAO

Open the Fix & Flip strategy on the report. Check the comps behind the ARV and the repair line items, then note the max allowable offer.

3

Subtract your fee

Flip MAO minus your target assignment fee is the most you should offer the seller. Arvo doesn't do this step for you.

The Wholesaler's Guide

How to analyze a wholesale real estate deal

Wholesaling is a numbers game played on a tight margin. You put a distressed property under contract at a price low enough that a cash-buying investor will still profit after you take your fee — then you assign that contract for a spread. Get the math wrong and the deal dies on your buyer's desk; get it right and you collect an assignment fee without ever owning the property. An Arvo report gives you the two numbers that decide every deal: the After Repair Value and the maximum allowable offer. Arvo gives you both for a flip; you subtract your own fee.

Start with ARV — your buyer's exit price

Even though you'll never renovate the house, the After Repair Value is your anchor, because it's what your end buyer (a flipper or landlord) is solving for. ARV comes from recent comparable sales of renovated homes near the property. The more defensible your ARV and repair estimate, the more credible your deal package — and the faster a cash buyer says yes. Arvo lists the sold comps behind its ARV, including the ones it threw out, so a buyer can check them.

Work backward to your Maximum Allowable Offer (MAO)

Your offer to the seller has to leave room for two parties to profit: your cash buyer and you. Start from the buyer's classic 70% rule (the flip MAO on an Arvo report), then subtract your own assignment fee by hand:

Buyer's Max Price = (ARV × 0.70) − Repair Costs
Your Maximum Offer (MAO) = Buyer's Max Price − Your Assignment Fee

That final number is the most you can offer the seller and still deliver a deal your buyer will take. Offer above it and the spread vanishes; the property sits and your earnest money is at risk.

Worked example: a $15,000 assignment fee

After Repair Value (ARV)$300,000
Estimated repairs$50,000
Buyer's max price (70% rule)$160,000
Your target assignment fee−$15,000
Your maximum offer to seller$145,000

Lock the property at $145,000 or below, assign the contract to your cash buyer for $160,000, and the $15,000 spread is your fee. The deeper the discount you negotiate below the MAO, the larger your margin — or the more cushion you have to move the deal quickly.

Assignment vs. double close

There are two ways to get paid. With an assignment, you transfer your purchase contract to the end buyer for a fee — fastest and cheapest, but the fee is visible on the closing statement. With a double close, you actually buy and immediately resell, keeping your spread private; it costs two sets of closing fees but is useful on large spreads or where assignments are restricted. Either way, the underwriting is identical — it all comes back to ARV, repairs, and MAO.

Know your buyer before you sign

The best wholesalers build a cash buyers list first and reverse-engineer their criteria — the zip codes, price points, and property types their buyers actually want. A clean deal package with verified comps, a credible repair scope, and clear profit math is what gets a buyer to commit before your inspection period ends. Any paid Arvo plan exports the report as a PDF you can send. See a full sample deal report or run a free report on your next lead.

Related calculators: Fix and flip analyzer · BRRRR calculator · Rental property analyzer

FAQ

Common wholesale questions

Arvo doesn't have a wholesale strategy; it calculates ARV for the flip. It pulls recent sold comps from Zillow, Redfin, Realtor.com and RentCast, filters them by size, beds, baths, distance and recency, removes statistical outliers, and takes the median price per square foot times the home's square footage. The report lists which comps were used and which were excluded. The ARV is what the property would sell for after rehab, which is the number your cash buyers care about.
The 70% rule states that an investor should pay no more than 70% of a property's ARV minus repair costs. This ensures enough margin for the flipper's profit. As a wholesaler, you need to buy below this number to leave room for your assignment fee.
Yes. Solo, Pro and Team export a PDF with the comps, repair estimate and flip numbers. Pro and Team add your logo. The free plan doesn't export.
The free plan includes 3 full reports a month with ARV, comps, a repair estimate, the flip max allowable offer and deal scores. No credit card required. Paid plans add more reports and PDF export.
A typical assignment fee ranges from $5,000 to $20,000 per deal, though larger spreads on higher-priced properties can pay considerably more. Your fee is the difference between the price you put the property under contract for and the price your cash buyer pays. The bigger the discount you negotiate below the maximum allowable offer, the larger your potential spread.
In a fix and flip you actually buy, renovate, and resell the property, taking on the capital, time, and renovation risk to capture the full profit. In wholesaling you never own or repair the property — you put it under contract and assign that contract to an investor for a fee. Wholesaling needs far less capital and closes faster, but the per-deal profit is smaller. Both rely on the same core math: ARV, repair costs, and the maximum allowable offer.
In most states you can wholesale without a real estate license because you are assigning your own purchase contract rather than brokering a sale for someone else. However, rules vary by state and several have tightened wholesaling regulations, so always confirm the current requirements in your market and consult a local real estate attorney. Arvo provides analysis tools, not legal advice.

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