BRRRR Calculator

Analyze a Buy-Rehab-Rent-Refinance-Repeat deal. Calculate total investment, refinance cash-out, post-refi mortgage, cash flow, and cash left in the deal.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Purchase Price ($)

Rehab Cost ($)

After Repair Value ($)

Holding Period (months)

Monthly Holding Cost ($)

Refinance LTV (%)

Refi Interest Rate (%)

Refi Term (years)

Monthly Rent ($)

Vacancy Rate (%)

Monthly Operating Expenses ($)

Tab to move between fields

Results

Cash Left in Deal

$3,200

Cash Out at Refinance$0

Monthly Cash Flow$158.05

Annual Cash Flow$1,896.56

Cash-on-Cash Return59.27%

Total Investment$153,200

Forced Appreciation$80,000

New Loan Amount$150,000

New Monthly Mortgage$997.95

Equity Captured$50,000

How to Use This Calculator

Enter Purchase Price and Rehab Cost for the distressed property you plan to buy and renovate.
Set After Repair Value (ARV) — the estimated market value post-renovation — and Holding Period in months.
Enter Refinance LTV % (e.g. 75%) and the new loan's Interest Rate and Term to model the cash-out refinance.
Input expected Monthly Rent, Vacancy Rate %, and Monthly Operating Expenses for the rental phase.
Review Cash Left in Deal — a negative value means you pulled out more than you invested — and Monthly Cash Flow.
Check Cash-on-Cash Return to evaluate ongoing returns relative to remaining capital in the deal.

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