BRRRR Calculator
Cash left in the deal, post-refi cash flow, and return after buy–rehab–rent–refinance.
Your numbers
Buy & rehab
Refinance
Rent & operate
Cash left in the deal
$19,900
Your capital still tied up after the cash-out refinance.
- Cash-on-cash return
- -18.5%
- Post-refi cash flow
- -$306
- Cash returned at refi
- $213,500
- New loan amount
- $217,500
- Equity after refi
- $72,500
- Total cash invested
- $233,400
Annual cash flow ÷ cash left in
The BRRRR cycle
| Stage | Position |
|---|---|
| Buy + rehab (all-in) | $233,400 |
| Property value after rehab | $290,000 |
| Refinance at 75% LTV | $217,500 |
| Cash returned to you | $213,500 |
| Cash still in the deal | $19,900 |
| Equity remaining | $72,500 |
Estimates for planning only. Not financial, tax, or legal advice. Verify every number with your own due diligence and advisors.
How this calculator works
BRRRR stands for buy, rehab, rent, refinance, repeat: buy below market, renovate, place a tenant, then refinance at the property's new appraised value to pull your capital back out. The strategy's defining metric isn't profit on sale. It's how much of your cash the refinance returns, and what the money still in the deal earns.
A perfect BRRRR returns 100% of your capital while the property still cash-flows: infinite return on the cash left in. The calculator shows exactly how close your deal gets, and what the property earns after the new loan.
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BRRRR questions, answered.
It's your total investment (purchase, rehab, closing, holding costs) minus the cash the refinance returns. If you invest $196,000 all-in and the refi returns $206,000, nothing is left in the deal. Your return on remaining capital is effectively infinite.
Most investment-property cash-out refinances lend 70–75% of the appraised value. Many lenders also require a 6-month seasoning period of ownership before they'll lend on the new appraisal rather than your purchase price.
Two places: the ARV comes in lower than projected (so the refi returns less cash), or the rehab runs over. Both leave more capital trapped in the deal. Conservative ARV comps and a real contingency budget protect the model.
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