Proof of ROI
Flip carry cost calculator Chicago
Know the return before you buy. File free on proofofroi.com. Then the wall.
Proof of ROI is the flip carry cost calculator Chicago investors run before they lock a hold assumption — street address in, File out: tax, interest, insurance, and utilities inside max safe offer plus Buy / Renegotiate / Pass. Not a monthly holding-cost toy that never touches the bid, and not a phone call first. Run a File free on proofofroi.com. Then the wall: $199/mo — We run the deal in 60 seconds and cost the rehab.
Searching flip carry cost calculator Chicago usually lands on a ChicagoLand Appraiser flip analyzer with a monthly carrying-cost cell, a Chicago holding-cost page for sellers waiting on a list, a hard-money interest calculator, or a round-trip “cost to flip” blog with national hold months. Those screens are useful triage. They are not a dated max safe offer that subtracts hold from the same stack as rehab, Chicago transfer tax, attorney closings, and a Construction cost band toward the finish you named.
Carry is a line in the offer — not a side spreadsheet
Carry is every month you own the house until it closes to a buyer: loan interest (or opportunity cost on cash), property taxes, insurance, utilities, lawn or snow, and any vacancy or security cost. Multiply by a realistic hold — rehab months plus time to contract and close — then put that dollar inside the bid, not in a notebook you open after you win. A six-month national default is not Chicago reality when winter slows trades or a thin ARV sits on market. Understate hold by two months and you can erase the margin you thought you bought.
Here is the File logic in plain words. Mid ARV comes from comps you can defend, ideally sold rehabs that look like your exit. Rehab stays Construction Proof (pending) until a Proof stamp from Banc Construction costs the rehab from subject photos + a sold flip toward that finish. Sell costs, buy-close costs, and hold cost sit in the stack so tax and carry are not an afterthought. Margin is not optional: at least $25k or 12% of mid ARV, whichever is higher. Max safe offer is mid ARV minus mid rehab minus those costs minus margin. If worst-case profit is red after carry, that is a Pass. Not a meeting to talk yourself into red ink.
Who this is for: Chicago and Chicagoland flippers typing flip carry cost calculator Chicago; operators who already know ARV and rehab but still blank the hold cell; out-of-town capital that copied a four-month national model into a six-to-eight-month Chicago timeline; hard-money desks that want carry inside Buy / Renegotiate / Pass on one dated page, not a separate interest screenshot. Soft DEMO comps when live data is not used. Construction Proof (photos + sold flip) is not a contractor bid. Returns are not promised. Extra Proof is $129 when you need another stamp in the same month; unused don’t roll.
What this is not: a homes-for-sale page, a foreclosure hub, a promised-return pitch, or a phone-first sales desk. Public phone (708) 901-1805 lives in the footer only. The File is the funnel. Sibling spokes: max safe offer, rehab cost, construction loan packet, buy / renegotiate / pass, target sold rehab. Hub: Proof of ROI.
Run the carry inside the File.