Wholesale-to-flipper MAO is the most you can offer a seller and still leave a flipper their margin. Work backward from ARV, subtract rehab, the flipper target margin, and your assignment fee before you put the property under contract.
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| After-repair value | $260,000 |
|---|---|
| Flipper target at 70% of ARV | $182,000 |
| Rehab budget | - $48,000 |
| Assignment fee target | - $12,000 |
Seller MAO before title, lien, or access reserve: $122,000.
A flipper buys based on resale value, rehab scope, timeline, and their required profit. If their all-in number is too high, they do not buy your contract. Set the seller offer from their ceiling first, then reserve your assignment fee inside that spread.
Check ARV against sold comps, price repairs conservatively, then use the Max Bid Calculator or Deal Analyzer to test the same address with closing costs, holding costs, and financing. A wholesale deal is only real when the buyer can still make money after your fee.
Wholesale-to-flipper MAO is the highest seller offer that still leaves a fix-and-flip buyer enough margin after ARV, rehab, closing costs, holding costs, resale costs, and your assignment fee.
The flipper's profit comes from reselling after repairs, so the finished value sets the ceiling. Purchase price, rehab, and all deal costs have to fit underneath that finished-value number.
Subtract your assignment fee after you reserve the buyer's rehab and profit margin. If you add the fee on top of the buyer's ceiling, the contract is harder to assign and easier to overprice.