Fix & flip
ROI calculator.
Model a Niagara flip in 30 seconds — purchase, rehab, holding, ARV. Get net profit, cash-on-cash ROI, and the 70% rule check. Free, no email gate.
Plug in your deal.
Adjust any slider — results update in real time. Use the scenario presets above for typical Niagara deals.
Estimates only. Doesn’t include capital gains tax, HST on rehab, cost overruns, or vacancy/market risk. Talk to your accountant and a licensed realtor before committing capital.
Want us to pressure-test your numbers? A 30-minute call with a Zulma operator. No pitch.
Four ways flips go sideways.
These are the failure modes we’ve seen in Niagara over the past 24 months. Each one would invalidate the numbers your calculator just produced.
Underestimating rehab
Niagara contractors are quoting 30–60% above 2022 rates. Always add a 15% contingency on top of your written quotes, plus permit lead times.
Wishful-thinking ARV
Use SOLD comps within 90 days and 500m, not active listings. A house that listed at $700K doesn’t mean it sold at $700K.
Forgetting holding costs
Mortgage + property tax + insurance + utilities + landscaping while vacant. Six months of carry on a $500K property eats $15K–$25K of profit.
Ignoring HST + cap gains
New-build flips can attract HST on the full sale price. Multiple flips classify you as a business, not a capital-gains exempt principal residence. Get an accountant.
Questions we get
about flip math.
If your question isn’t here, the answer is probably “ask a Niagara realtor for sold comps and an accountant for the tax piece.” We’ll point you to good ones.
A common flipper guideline: never pay more than 70% of the After-Repair Value (ARV) minus the rehab budget. It builds in a margin for unknowns (cost overruns, market dips, longer holding) and protects your profit. Plenty of seasoned investors break this rule deliberately — but they know exactly why.
Run the numbers.
Then call us.
If the deal pencils, we have the trades roster to execute the rehab and the placement service to flip your exit strategy into a hold.