BRRRR Calculator

Buy, Rehab, Rent, Refinance, Repeat: cash left in the deal and post-refi cash flow.

Purchase price

What you pay for the property.Rehab cost

Cost to fix it up.Closing costs

One-time fees paid when you buy.Holding costs

Costs while you fix it up: loan interest, utilities, insurance, taxes.After-repair value (ARV)

After-repair value: what the home should be worth once the work is done.Refinance LTV

Loan-to-value: the % of the new value a bank will lend on a refinance. Ask your lender.Refi interest rate (30-yr)

Interest rate on the new loan.Monthly rent

What the tenant pays each month.Monthly expenses (excl. mortgage)

Monthly costs other than the new loan: tax, insurance, repairs, management, vacancy.

What do these mean?

BRRRR means Buy, Rehab, Rent, Refinance, Repeat. Example: $200,000 all-in, home worth $260,000, bank lends 75% = $195,000. You have $5,000 left in the deal.

Your results, explained

Cash left in deal: Cash still stuck in the deal after the refinance pays you back. Lower is better.
Monthly cash flow after refi: Money left each month after the new loan and costs.
Refinance loan: ARV × LTV: the new loan amount.
Cash-on-cash after refi: Yearly cash flow ÷ cash left in the deal. If no cash is left, the return is unlimited (∞).

Estimates only. Not financial, tax or legal advice.

Results

Cash left in deal—

Monthly cash flow after refi—

Refinance loan—

Cash-on-cash after refi—

Estimates for educational purposes only. Not legal, tax or financial advice. Results depend on your inputs and are provided as is. See our Terms.

How it works

The BRRRR method aims to recycle your capital: buy below value, add value, then refinance to pull most of your cash back out.

The formula

All-in = purchase + rehab + closing + holding
Refi loan = ARV × LTV
Cash left = all-in − refi loan  (negative = cash pulled out)

FAQ

What if cash left is negative?

You pulled out more than you put in; cash-on-cash return is effectively infinite.

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BRRRR Calculator

Your results, explained

Results

How it works

The formula

FAQ

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Cash flow & ROI

Cap rate

Cash-on-cash