Shefa Homes

MAO Calculator

Maximum Allowable Offer

MAO = ARV − Repairs − Lending Costs − Buying Costs − Holding Costs − Selling Costs − Profit

ARV — After Repair Value

3–5 comps, 0.5 mi, similar sqft, last 6 months

Repairs

Roof, HVAC, kitchen, bath, exterior, flooring

Lending Costs

Points, origination, appraisal

Buying Costs

Inspection, title, closing

Holding Costs

Taxes, insurance, utilities, loan interest (full rehab timeline)

Selling Costs

Agent commissions, closing, staging

Profit

End buyer margin + your assignment fee

Max Allowable Offer

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