12x12REI offers six free real estate calculators: the ARV Calculator, the Fix-and-Flip Profit Calculator, the DSCR Calculator, the Hard Money Loan Calculator, the Rental Property Cash Flow Calculator, and the Real Estate ROI Calculator. All are free to use and designed for investors in the Houston, Texas market.

Enter the sale prices of 3 to 5 comparable recently renovated properties within 0.5 miles of your subject property, along with each property's square footage. The calculator returns a price-per-square-foot average and applies it to your subject property's square footage to estimate ARV. Use this ARV to calculate your maximum allowable offer price and renovation budget ceiling.

The fix-and-flip profit calculator estimates your net profit from a Houston flip by factoring in purchase price, closing costs, loan interest and fees, renovation budget, holding costs, and selling costs. Accuracy depends on the quality of the inputs - particularly your renovation estimate and ARV. Use conservative estimates for renovation and ARV to stress-test the deal before relying on a best-case projection.

The DSCR calculator computes your Debt Service Coverage Ratio - rental income divided by full mortgage payment - and shows whether your property meets the minimum DSCR requirement for Texas rental property loans. A result of 1.0 or above indicates basic eligibility. Use this tool before applying for a DSCR loan to avoid applying for a loan your property cannot support.

Yes. The hard money loan calculator estimates your monthly interest payment, total interest over the loan term, origination fee, and total cost of capital for any Houston real estate deal. Enter your loan amount, interest rate, points, and loan term in months to see the full financing cost before you apply.

Yes. All calculators on the 12x12REI website are free to use without registration or payment. They are provided as a service to investors in the Houston market - part of our commitment to giving investors the tools they need to make informed decisions.

For a complete deal analysis using the 12x12REI tools, you need: the property address, your estimated purchase price, 3 to 5 comparable recent sales for ARV, your renovation budget estimate, your proposed loan amount and anticipated rate, estimated holding costs (taxes, insurance, utilities), and your anticipated sale price. The more accurate your inputs, the more reliable your output.

Rehab cost estimates for a Houston flip should be based on a scope-of-work walk-through with a licensed contractor. General rules of thumb: cosmetic renovations run $15 to $30 per square foot; mid-level renovations run $30 to $60 per square foot; full gut renovations run $60 to $100 or more per square foot. Always add a 15 to 20 percent contingency to your renovation budget - surprises are the rule in renovation, not the exception.

A healthy fix-and-flip ROI in Houston in 2026 is typically 20 to 30 percent of total capital invested - including the down payment, renovation costs, and carrying costs. Deals below 15% ROI are generally considered marginal given the risk and effort involved. Deals above 30% ROI are strong - typically the result of significant distress in the property or particularly motivated seller pricing.

The cash flow and DSCR calculators can be used for multi-family properties by entering the combined rental income from all units. The fix-and-flip and ARV calculators are primarily designed for single-family residential properties. For multi-family deal analysis in Houston, book a strategy call and our team will walk through the deal-specific numbers with you.