Wholesale Analysis

Comp deals and calculate MAO in seconds.

Enter any US property address and get instant ARV from live comps, AI repair estimates, max allowable offer, and a deal score. Built for wholesalers who move fast.

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The Wholesale Formula
MAO = ARV × 70% − Repairs − Your Fee

Arvo calculates every variable automatically. AI-estimated ARV from live comps, zip-code-specific repair costs, and your target assignment fee. Know your max offer in seconds.

Built for Wholesalers

Every tool you need to lock up deals

Stop doing manual comps and guessing on repairs. Arvo gives you institutional-grade numbers in seconds so you can make offers with confidence.

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Max Allowable Offer

Automatically calculated from the 70% rule using AI-estimated ARV and repair costs. Adjustable for your target assignment fee and buyer margins.

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Instant Live Comps

Pull comparable sales from MLS aggregates automatically. Adjusted for condition, proximity, size, and recency. No more manual research across listing sites.

AI Repair Estimates

Zip-code-specific rehab cost projections so you can accurately scope deals for your cash buyers. From cosmetic to full renovation budgets.

AI Deal Score (0-100)

Every property gets scored on profit potential, market conditions, comp confidence, and wholesale viability. Skip bad leads instantly.

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Assignment Fee Projections

See your estimated assignment fee based on the spread between your contract price and what a cash buyer would pay. Dial in your numbers.

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Buyer Deal Packages

Pro users can generate clean PDF deal packages with comps, repair scope, and financial projections to send to your cash buyer list.

How It Works

Analyze 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

Set your contract price and fee

Input what the seller is asking and your target assignment fee. Arvo does the rest — ARV, repair scope, and MAO calculations.

3

Get your full deal analysis

See ARV, max offer, repair estimate, assignment fee projection, deal score, and an AI-written investment synopsis you can share with buyers.

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. A reliable wholesale calculator like Arvo gives you the two numbers that decide every deal: the After Repair Value and the maximum allowable offer.

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 pulls live comps and an AI repair estimate so your numbers hold up to a buyer's scrutiny.

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, then subtract your own assignment fee:

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. Arvo's Pro plan generates exactly that package as a shareable PDF. See a full sample deal report or analyze your first wholesale deal free.

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

FAQ

Common wholesale questions

Arvo pulls live comparable sales from MLS aggregates and applies AI adjustments for property condition, size, lot, and market trends. 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. Pro plan users can export professional PDF deal packages with all comps, repair estimates, and projected returns. These are designed to be handed directly to cash buyers on your disposition list.
Yes. Get 3 full analyses per month on the free plan with ARV, comps, repair estimates, max offer, and deal scoring. No credit card required. Upgrade for more analyses and PDF exports.
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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