Base hold plus recurring cost during the downside delay.
Put a daily price on every week of delay.
Calculate the financing and ownership costs that continue from acquisition closing through sale closing, then test what a schedule slip does to profit.
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Monthly recurring cost multiplied by the base hold.
Interest and recurring ownership costs per modeled month.
Annualized recurring cost divided by 365 for schedule sensitivity.
Daily carrying cost multiplied by downside-delay days.
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Rehabfolio connects comps, scope, financing, schedule, actual costs, documents, and the final outcome.
Know exactly what the calculator is doing.
Total holding cost = hold months x monthly recurring cost + delay days x daily recurring costThe daily figure annualizes recurring costs for scenario planning. Material bills should still be calculated from their actual billing periods and terms.
Use the result as a decision aid, not a verdict.
Build the complete calendar
Include permit, construction, punch, listing, market, contract, and closing time.
Separate recurring costs
Use actual loan, tax, insurance, utility, association, and service figures.
Price the downside
Extend every cost that continues and add event-specific fees separately.
What this calculation cannot know.
- Listing the property or accepting an offer does not stop carrying cost.
- Use loan documents for interest, maturity, minimum interest, and extension calculations.
- Do not count tax, insurance, or principal twice when payments include escrow.
For a deeper explanation, read How to calculate house flipping holding costs.
Understand the terms before using the output.
What are holding costs in a house flip?
They are financing and ownership costs that continue while the project is held, such as interest, property tax, insurance, utilities, association charges, security, and property care.
When should the hold period end?
Usually when sale or refinance funds close and the relevant obligations stop, not when renovation or listing ends.
How is daily carrying cost calculated?
This calculator converts annual and monthly recurring costs into an average daily rate for schedule sensitivity.
Does loan principal count?
Principal changes cash flow and payoff but should not automatically be counted as an economic cost in addition to the loan payoff.
Should delay fees be included?
Yes. Add extension, remobilization, equipment, permit, storage, or other event-specific costs separately from recurring daily cost.
Keep the assumptions, evidence, work, and outcome together.
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