The 70% rule in one line: pay no more than 70% of after-repair value minus the rehab. Set your rule, enter the ARV and repair budget, and know your ceiling before you start negotiating. The math runs in your browser.
Three numbers. The results update as you go.
Estimates for planning only, not a quote. The 70% rule bakes in your loan costs, resale costs, and profit. It is a screen, not an appraisal. Rates are indicative as of Jul 12, 2026 and subject to underwriting.
Buy at 70% of ARV minus repairs and the deal pays for its own financing: points, closing, interest through the hold, and roughly 7% in resale costs, with profit left over. That is why the rule survives.
Thin-margin, high-velocity markets run at 75%. Heavy-rehab projects or slower markets argue for 65%. The rule flexes; the discipline is deciding your number before the seller is across the table.
A max-offer number is a screen, not a term sheet. If the purchase price works at your rule, submit the deal and we will price the actual leverage, rate, and draw schedule against the property.