Score 78Flip1420 Bayshore Blvd
Tampa, FL
Max offer
$254,391
Asking
$299,000
Used by investors and homebuyers in 16 states 4.9
Find out the most you should pay for any property
Type an address. We calculate your maximum offer from that county's property taxes, closing costs and insurance, plus the repairs the house needs.
- No credit card
- Investors and homebuyers
- Results in under a minute
Recently checked propertiesCheck yours →
Score 78Flip
Score 82Rental88 Maple Ridge Ct
Columbus, OH
Max offer
$187,200
Asking
$199,900
Score 64Primary7 Desert Willow Ln
Scottsdale, AZ
Max offer
$612,000
Asking
$649,000
Score 58Flip5 Lakeview Terrace
Denver, CO
Max offer
$498,300
Asking
$575,000
Score 86Rental930 Palm Canyon Dr
Las Vegas, NV
Max offer
$341,000
Asking
$355,000
Score 49Flip61 Coral Way
Fort Myers, FL
Max offer
$402,150
Asking
$489,000
Score 77Primary14 Ridgecrest Ave
Austin, TX
Max offer
$725,400
Asking
$739,000
Calibrated against public and industry data
FEMA flood mapsCounty assessorsState transfer-tax schedulesTitle rate manualsUSGS seismic zonesCAL FIRE hazard mapsNFIPMLS listing photosFEMA flood mapsCounty assessorsState transfer-tax schedulesTitle rate manualsUSGS seismic zonesCAL FIRE hazard mapsNFIPMLS listing photos
Features What goes into your number
Built on the real costs of owning that house
A rule of thumb like 70% of value ignores where the house is. We use the taxes, fees and insurance of the county it sits in.
County-level tax rules
Prop 13 reassessment, Save Our Homes caps, Texas millage and homestead exemptions applied to the exact county you type in.
Closing costs for buying and selling
Doc stamps, mansion taxes, graduated REET, title rate tiers and escrow fees, split between buyer and seller the way that state actually does it.
Insurance based on local risk
Wind surcharges, hurricane deductibles, flood zones, earthquake riders and wildfire uplifts priced into every month you hold.
Rehab from the listing photos
Each photo is graded Excellent to Damaged and turned into a line-item scope of work you can edit item by item.
Investor or homebuyer
Investors solve for margin, cash-on-cash or cap rate. Homebuyers get a ceiling from income, down payment and cash to close, and see which one binds.
See where every number comes from
Each figure shows its source. Export the full breakdown as a report you can hand to a partner or lender.
Rehab Budget from the listing photos
Paste the listing photos and get a rehab budget
Each room gets a condition grade and a priced list of work, using labor costs for that area. Change any line you disagree with.
DatedKitchen$9,650
Countertops · cabinet refacing · GFCI
GoodLiving room$3,720
Paint · LVP flooring
PoorExterior$12,800
Roof section · gutters · paint
ExcellentStairwell—
No work
Estimated rehab budget
Columbus, OH labor costs · 4 photos
$0
Have a listing you are looking at?
Paste the address. In about a minute you will know the most you should pay and what the rehab will cost.
- Maximum offer for that county
- Room-by-room rehab budget
- Closing costs, taxes and insurance
- Free for your first 3 properties
No credit card. You will create a free account to see the result.
Examples Real numbers from three markets
A flip, a rental and a family home
Three different buyers, three different counties. Here is what each one should offer and why.
Score 78Flip · Tampa, FL
Hillsborough County · flood zone AE
- After-repair value$420,000
- Rehab−$48,300
- Closing in + out−$35,380
- Holding 6 mo−$18,929
- Profit target 15%−$63,000
- Maximum offer$254,391
Wind + flood add $7,148/yr to holding costs.
Check a similar propertyScore 82Rental · Columbus, OH
Franklin County · 8% cash-on-cash target
- After-repair value$235,000
- Rehab−$21,400
- Closing in + refi−$9,870
- Holding 3 mo−$4,310
- Equity target−$12,220
- Maximum offer$187,200
Rent $1,950 · DSCR 1.31 at 7.1%.
Check a similar propertyScore 64Primary home · Scottsdale, AZ
Maricopa County · 43% DTI · 20% down
- Asking price$649,000
- Income ceiling—
- Down payment−$122,400
- Closing costs−$7,950
- Cash to close−$130,350
- Maximum offer$612,000
Down payment is the binding constraint, not income.
Check a similar propertyHow it works About a minute
Get your offer in three steps
- 1
Add the property
Type an address, the after-repair value and your strategy. The county, flood zone and local rules load automatically.
- 2
Set the rehab
Paste the listing photos to get a room-by-room condition grade and a priced scope of work, or type your own budget.
- 3
Pick your target
Choose a margin, cash-on-cash return or cap rate. Homebuyers choose a monthly payment instead. The offer is solved backwards from there.
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states with county-level rule sets
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counties resolved from an address
< 0s
from address to offer
Pricing Monthly, cancel anytime
Free to start. Pay when you are doing more deals.
Free
For your first few deals
$0/month
- 3 analyses per month
- County tax and closing rules
- Offer breakdown and deal score
- Saved history
Prices are placeholders until launch.
Common questions
Is this an appraisal?+
No. BuyOrBye gives you a maximum offer based on your inputs and local cost rules. Use it to decide what to offer, then confirm value with comps and a licensed appraiser.
Where do the tax and closing numbers come from?+
From published state and county schedules: assessor effective rates, transfer-tax statutes, title rate manuals and insurance filings. Each figure shows its source and when it was last updated.
How accurate is the rehab estimate from photos?+
It is a starting point, priced with regional labor indexes. Every line is editable, and most users adjust a few items after a walkthrough.
Does it work for buying a home to live in?+
Yes. Choose "Primary home" and it switches to an affordability ceiling based on income, existing debts, down payment and cash to close.
Have a property in mind? Check it now.
Flips, rentals or the home you plan to live in. Free for your first three properties.