Investor tool

NZ flip or hold calculator

Screen one deal on both exits. Flip ROI is after-repair value minus purchase, renovation, holding, and selling costs, divided by that capital stack. Gross yield is weekly rent times 52, divided by purchase price. Moderate-risk gates are 15% flip ROI and 9% gross yield. If both clear, the call is Flip only when flip ROI is more than 1.5× yield and the market still favours a flip. Read the August 2026 flip-or-hold guide and how we score.

Deal inputs

Start from a sub-$750k regional example, or paste purchase, reno, ARV, and rent from a scored listing.

Price and works

Photo-led reno on scored listings

After-repair value from renovated comps

Bond-data rent on scored listings, not asking rent alone

Holding and selling

Applied to purchase plus reno

Commission, marketing, and legal — included in the capital stack

Market

Screening call

Hold

Gross yield 9.3% meets 9%. Flip ROI -5.0% is below 15%.

Flip ROI-5.0%
Flip gate15.0%
Gross yield9.3%
Yield gate9.0%
Flip profit-$24,805
Holding cost$17,805
Capital stack$494,805
Annual rent$39,000

Scored listing cards tag a hold as Rental. This page says Hold for the same branch. Engine tag: Rental.

How the call is made

A stable market uses the 15% and 9% gates. Heating lowers the flip gate by one point. Cooling treats a flip-only result as a pass and eases the yield gate by half a point. When both exits clear in a cooling market, the call is hold. Scored cards never print Hold: that branch is tagged Rental.

This page is the published screening identity. Listing scores still run the full flip and rental models, including GST, tax, and yield on total invested. Use the flip max-buy calculator to reverse a purchase price, or the rental yield calculator for net yield after operating costs.

Not financial advice. Confirm ARV, rent, outgoings, lending, GST, and tax before you buy.