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Holding Cost Calculator

See your monthly burn rate across loan payments, taxes, insurance, utilities, and HOA for the entire hold period.

How the Holding Cost Calculator Works

Every month you hold a flip, you bleed cash. This tool calculates your exact monthly burn rate and total holding cost based on your financing terms and property expenses.

  • Automatic loan payment calculation for Hard Money, Conventional, and Cash deals
  • Monthly breakdown: loan payment, property taxes, insurance, utilities, HOA
  • Adjustable hold duration (1-36 months) to model different timelines
  • Compare financing types to see how interest-only vs. amortizing affects your costs

Why Holding Costs Determine Your Timeline

A 6-month flip at $2,100/month in holding costs adds $12,600 to your total project cost. Stretching to 9 months costs $18,900. This calculator shows you the true cost of delays.

  • See exactly how each month of delay eats into your profit
  • Hard money loans compound quickly — know your burn rate before signing
  • Factor in every expense so your profit projections are realistic

Sample Output

See what this feature calculates for you.

Holding Cost Calculator
Loan Payment (Interest Only) $1,575/mo
Property Taxes $210/mo
Insurance $88/mo
Utilities $150/mo
Monthly Total $2,023/mo
Total (6 months) $12,135

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