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May 20267 minDan White

How to Write a House Flipping Business Plan

A house flipping business plan is not just for impressing lenders. It forces you to define your strategy, quantify your capital needs, and establish the deal criteria that will guide every offer you make.
Score deals against your plan criteria — Freddie tells you if any deal hits your standards free.Score My Deal Free →

Market Context

Live Market Data
Washington, DC Housing Market
Cool Market
Data through Mar 2026
Median Sale Price
$590,000
+0.8% YoY
Median Days on Market
44 days
lower = faster market
Sale-to-List Ratio
99.7%
buyers' market
Homes Sold
4,457
last reported month
Source: Redfin Data Center. Updated monthly. Data reflects Washington, DC residential sales. redfin.com

Executive Summary

One page. Your name, your market focus, your target deal criteria, your annual volume goal, and your capital requirements. If you are presenting to private money lenders, this is the page they read first — it must be specific, credible, and grounded in real market data. Vague statements about opportunities in real estate belong in infomercials, not business plans.

Deal Criteria Section

Document your specific buy box: target purchase price range, maximum ARV threshold, minimum required spread above MAO before you sign a contract, acceptable neighborhoods and zip codes, maximum rehab scope you will take on, and required minimum net profit per deal. This section is your decision framework — when a deal meets all criteria, you move. When it does not, you pass.

Capital Plan

Show exactly how you will fund your deals: current liquid capital, existing credit lines, private money relationships confirmed and potential, and hard money lender relationships. Show the math for your first 3 deals — purchase, rehab, carrying costs, selling costs, and projected net return. Private money lenders want to see that you have thought through the capital cycle, not just the profit potential.

Marketing and Deal Flow Strategy

Describe how you will find deals: wholesaler relationships, direct mail campaigns, MLS monitoring, agent relationships, and online lead channels. Show monthly marketing budget and expected deals per source. Lenders who see a documented lead generation strategy feel more confident than those who see a plan that depends entirely on deals showing up on their own.

Analyze Deals Against Your Plan Criteria
Freddie scores deals against ARV, rehab, and return criteria. Know if a deal hits your standards before you commit.
Score My Deal Free →

Dan White is a licensed Virginia real estate agent at Pearson Smith Realty and founder of FreeDealCalc.com. He has been investing in Northern Virginia real estate for 20+ years.