Wholesaling MAO calculator.
Maximum allowable offer from after-repair value, repairs, your assignment fee and your buyer's costs. Change the percentage to match your market. Add your offer price to see the spread.
How MAO works
What is MAO in real estate wholesaling?
MAO (maximum allowable offer) is the highest price you can put a property under contract for and still leave room for your end buyer's profit and your own fee. The common starting formula is ARV × 70% − repair costs − your wholesale fee.
What is the 70% rule?
A rule of thumb used by fix-and-flip buyers: pay no more than 70% of the after-repair value minus repairs. The 30% covers the buyer's holding, selling and financing costs plus profit. Many markets use 65% to 80% depending on price point and competition, so treat it as a dial, not a law.
Should the wholesale fee come out of MAO?
Yes. Your end buyer's number is ARV × % − repairs. Your fee sits on top of your contract price, so your own maximum offer is the buyer's number minus your fee.
Where should ARV and repair numbers come from?
ARV from recent sold comps of similar, renovated properties nearby. Repairs from a walkthrough with a contractor or a repair estimate sheet, plus a contingency. The calculator is only as good as these two inputs.
How do teams keep MAO consistent across acquisition reps?
Put underwriting on the deal record in the CRM: ARV, repair estimate, rule percentage and fee as fields, MAO as a formula, and a required check that comps and repairs were reviewed before the deal moves forward.
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Want MAO on every deal record, not in a spreadsheet?
I build Salesforce for investors and wholesalers with underwriting on the opportunity: ARV, repairs, fee and MAO as fields, and a QC gate before an offer goes out. Start with a free 30-minute call or the fixed-price CRM Revenue Audit (USD 1,500).
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