Free Hold Cost Calculator
Know your exact monthly carrying costs before you close. Interest, taxes, insurance, utilities — every dollar that bleeds your profit while you hold.
Tell Freddie about your deal:
What you get — free
Monthly Carry Breakdown
Every holding cost line by line — interest, taxes, insurance, utilities, HOA — month by month.
Hold Time Sensitivity
See how profit changes at 3, 4, 5, and 6 months. Know your break-even hold time before you buy.
Cash vs Financed Compare
Model both scenarios — how much does paying cash save vs deploying hard money capital elsewhere?
Deal Score 0–100
Hold cost risk feeds into Freddie's overall deal grade. High carry = lower score.
Rehab Delay Risk
Freddie flags when a heavy rehab scope creates hold cost risk if the project runs long.
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Hold cost analysis permanently free. No credit card required.
Why $5K in hold costs beat $50K — and netted $115,050
The biggest lever on this Northern Virginia deal wasn't the purchase price — it was the hold time. We bought cash, so interest was zero. Cleanout: $5K. Total holding costs for 30 days: approximately $800 (prorated taxes and insurance). Compare that to a 5-month full flip: hard money at 12% on $210K = $10,500 in interest alone, plus rehab overruns, plus carry. The wholetail hold cost was $5,800 all-in. The flip hold cost estimate was $18,000+. That difference directly compounded into the $115,050 net profit. Freddie scored it 100/100 — partly because the hold cost risk was nearly zero.
We sold the property as-is for $349K. The renovation pictured was completed by the buyer who purchased it from us. The $115,050 profit reflects our wholetail exit, not the renovation work.
Freddie scored it 100/100. Minimal hold costs plus maximum exit speed — that's how you maximize net profit on any deal.
"Hold cost lesson: time is money — literally. Every month you hold a financed property, the clock runs. Know your monthly burn rate before you make the offer."
Hold Cost Calculator FAQ
What are holding costs in real estate?
Holding costs are ongoing expenses you pay while you own a property before selling or renting it. For flips, they include loan interest, property taxes, insurance, utilities, and HOA fees. Every month you hold eats into your profit.
How do I calculate holding costs?
Monthly hold cost = loan interest + prorated taxes + insurance + utilities + HOA. Multiply by your expected hold time in months. On a $210K hard money loan at 12%, monthly interest alone is $2,100. A 6-month hold costs $12,600 in interest before any other expenses.
How much do holding costs reduce flip profit?
On a typical 4-6 month flip with hard money financing, holding costs run $8,000-$18,000 depending on loan size and local expenses. This is why hold time is one of the most critical variables in flip profitability — Freddie tracks it in every analysis.
What is the biggest holding cost on a flip?
For leveraged flips, loan interest is almost always the largest holding cost — often 60-70% of total carry. At 12% on a $250K hard money loan, you're paying $2,500/month just in interest before taxes, insurance, and utilities.
How does hold time affect flip profitability?
Every additional month adds $2,000-$4,000+ in carry costs on a typical leveraged flip. A deal that looks great at 3 months can be marginal at 8 months. Freddie models hold cost sensitivity so you know your break-even hold time.
Should I pay cash to reduce holding costs?
Cash eliminates interest — your biggest hold cost. On a $210K acquisition at 12% hard money, going cash saves $2,100/month. Whether that's worth tying up capital depends on your opportunity cost. Freddie models both scenarios.
Calculate your hold costs now
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