What is a maximum allowable offer calculator?
A maximum allowable offer calculator works backward from resale value, repairs, costs, target profit, and buyer strategy to estimate the most you can pay before a deal loses margin.
Free Wholesale Calculator: Run All Three MAO Tools, No Signup
Use three free wholesale calculators to set your maximum allowable offer. The MAO hub gives you the base number, the wholesale-to-flipper calculator sizes the seller offer for a flip buyer, and the wholesale-to-landlord calculator sizes it for a buy-and-hold buyer. All three run in your browser with no account, trial, or credit card. Score the lead, set your assignment spread, then confirm the end buyer can still hit their own return target.
Free · No signup · Runs in your browserSee how this compares to DealCheck
Core offer
Flip maximum bid
Set the highest purchase price from ARV, rehab, costs, and target profit.
Open Max BidExit path
Wholesale to flipper MAO
Work backward from ARV, rehab, the flipper target margin, and your assignment fee.
Open flipper MAOExit path
Wholesale to landlord MAO
Work backward from rent, cash flow, rehab, and your assignment fee.
Open landlord MAOSide-by-side MAO example
Example figures only: ARV $230,000 and rehab $40,000. Use local comps, repair bids, lender terms, title findings, and buyer criteria before making an offer.
| Scenario | Inputs | Illustrative offer ceiling |
|---|---|---|
| Flip MAO | ARV $230,000, repairs $40,000, 70% rule screen | About $121,000 |
| Wholesale to flipper | Flip buyer ceiling $121,000, example assignment fee $8,000 | About $113,000 |
| Wholesale to landlord | Rent-supported value, repairs, cash-flow target, example assignment fee | Example ceiling depends on rent and financing |
Take the deal analysis workbook
Get the free workbook with editable offer, Flip, Rental, and BRRRR math, including the 70% rule and detailed maximum-bid reserves.
Pick the buyer before you pick the offer
| Buyer type | What controls MAO | Start here |
|---|---|---|
| Flipper | Seller MAO before title, lien, or access reserve: $122,000. | Flipper MAO |
| Landlord | Seller MAO before title, lien, or rent-readiness reserve: $120,000. | Landlord MAO |
FAQ
Is this MAO calculator free?
Yes. DistressedDealRadar's MAO calculator hub and the related flipper, landlord, and maximum-bid tools are free with no account, login, or credit card.
Is MAO the same for flippers, wholesalers, and landlords?
No. A flipper's MAO usually starts from ARV, repairs, resale costs, and profit. A wholesale-to-flipper offer subtracts the buyer's number and assignment fee. A landlord's MAO often starts from rent, debt service, cash flow, and refinance value.