Compare an assignment with a double closing, then check whether the end buyer’s renovation and resale still work. Starting figures are examples; replace them with your deal terms and quotes.
Count each cost once. Your expenses and the end buyer’s costs are separate. Repairs below are performed by the end buyer after acquisition; your wholesale resale is as-is.
How the results work
Assignment: the end buyer pays the seller contract price plus your assignment fee. Your net is the fee minus your due-diligence, marketing and other expenses. Earnest money is cash committed, not a second purchase cost.
Double close: gross spread is your B→C resale price minus your A→B purchase price. Net subtracts both sets of costs you pay and transactional funding fees / simple actual-365 interest. Enter transfer taxes and title fees from your settlement provider; percentages here apply only to the side and price labeled. Funding principal is repaid from resale proceeds and is not deducted a second time as an expense.
Buyer profit = expected ARV minus acquisition price, repairs with contingency, holding, financing, acquisition, selling and other costs. The maximum seller offer uses both entered profit targets, with the entered funding amount, fees and buyer costs held fixed. It is a planning ceiling, not an appraisal or lender approval. Recheck funding if you change the offer.
The optional financing check compares the buyer’s loan with current value (LTV) or ARV (LTARV). It does not apply a 70% offer rule and does not determine lender eligibility, eligible costs or draw timing. Project costs minus loan are not necessarily the cash due on closing day.
A double closing is a choice to model, not something this calculator can legally require or approve. Confirm contract assignability, both closings, funds and timing with your title / settlement provider, lender and attorney. Model excludes income taxes, default costs, prepayment charges and fees not entered. Pennsylvania wholesale transactions have licensing, disclosure and consumer-cancellation requirements; choosing a double close does not establish compliance.
CFPB: understanding LTV · Pennsylvania Act 52