BRRRR Calculator

Q: How does the BRRRR method work?

You buy a distressed property, rehab it to force appreciation, rent it to a tenant, then refinance based on the new (higher) appraised value to pull your capital back out, and repeat. The refinance loan is sized off the after-repair value, not your purchase price.

Q: What is a good BRRRR outcome?

The ideal is a full BRRRR, where the cash-out refinance returns all the money you invested, leaving zero of your own capital in the deal and an effectively infinite cash-on-cash return. Even a partial recovery that leaves a small amount in at strong cash flow is a solid result.

Q: What refinance LTV should I expect?

Many DSCR and conventional cash-out refinances on investment property cap out around 70 to 75 percent of the after-repair value. This calculator defaults to 75 percent; adjust it to match your lender's terms.

See how much capital you recover on the refinance.

Purchase price$Rehab budget$Holding costs$After-repair value$Refinance LTV%New loan rate%AmortizationyrsMonthly rent$Monthly expenses$

Cash left in the deal

$7,000

$240,000 pulled back out

You recover $240,000 at refinance and leave $7,000 in the deal.

Total invested$247,000

Refinance loan (ARV × LTV)$240,000

New monthly payment$1,597

Monthly cash flow$233

Cash-on-cash return40.0%

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Inputs are pre-filled with example figures, edit them to match your deal. Estimates only, for planning purposes, and not a rate quote, an offer, or a commitment to lend. Your actual rate and terms depend on a full review of your deal.

BRRRR (buy, rehab, rent, refinance, repeat) works when the refinance returns most or all of the cash you put in, so you can roll it into the next deal. This calculator shows how much you pull back out, how much stays trapped in the property, and the cash-on-cash return on whatever is left.

Common questions

How does the BRRRR method work?

What is a good BRRRR outcome?

What refinance LTV should I expect?

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