BRRRR Deal Calculator

Buy, Rehab, Rent, Refinance, Repeat. The whole point of BRRRR is to recycle your capital — pull most of your cash back out at refinance so the same dollars can fund the next deal. Enter your numbers and see your all-in cost, refinance proceeds, cash left in the deal, and your return on the cash that stays behind.

Estimates only — not financial advice. Refinance terms (LTV limits, seasoning, rates) vary by lender; verify with your lender before you commit. ARV is a guess until an appraiser says otherwise.

1 & 2 — Buy + Rehab

Purchase price $

Buy closing costs $ (fees, points, prepaid)

Rehab budget $

Initial purchase financing

Down payment % (0 = all cash)

Initial loan rate % (if financed)

3 — Rent (stabilized numbers)

Monthly rent $

Vacancy %

Annual property tax $

Annual insurance $

Maintenance % of rent (annual)

Management % of rent (0 if self-managed)

4 — Refinance

After-repair value (ARV) $

Refinance max LTV % (typically 70–80)

Refinance rate % (APR)

Refinance term (years)

Refinance closing costs $

Your BRRRR analysis

All-in cost (price + buy closing + rehab)
Initial cash invested
Refinance loan amount (ARV × LTV)
Cash out at refinance (after refi closing costs)
Cash left in the deal
Capital recycled
Monthly cash flow after refinance
Annual cash flow after refinance
Cash-on-cash return (on cash left in)

Cash-on-cash here is measured against the cash that stays in the deal after refinance. If the refinance pulls out more than your all-in cost, your cash left is $0 or negative — the classic "infinite return" BRRRR outcome. A negative number means you walked away with extra cash beyond what you put in.

Estimates only — not financial advice. Lenders impose seasoning requirements (often 6–12 months) before a cash-out refinance, and appraisals can come in below your ARV estimate.