BRRRR Calculator
Model the Buy, Rehab, Rent, Refinance, Repeat strategy — see how much of your capital the cash-out refinance returns, what stays in the deal, and whether it still cash-flows.
Buy & Rehab
Refinance
Rent
Cash Left In Deal
+$9,600 out
100% of capital recovered
Cash-on-Cash
∞
Monthly Cash Flow
$122
Total Invested
$230,400
New Loan (cash-out)
$240,000
Equity After Refi
$80,000
All-in ÷ ARV
72.0%
within 70-75% rule
Capital Recovery
Smart Insights
The refinance pulls out $9,600 more than you put in — you've recovered all your capital (and then some). With no cash left in the deal, cash-on-cash return is effectively infinite.
Your all-in cost is 72% of ARV — within the "70–75% rule" sweet spot that makes a cash-out refinance work. You've forced about $89,600 of equity.
Even after the cash-out refinance, the property cash-flows $122/month — the ideal BRRRR outcome: capital back and still positive.
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How to Use This Calculator
Enter the purchase price, rehab budget, and closing costs for the buy, then the after-repair value and your lender’s refinance LTV, rate, and term. Add the rent and monthly operating expenses. The calculator shows the new loan, how much capital you recover, what’s left in the deal, your cash-on-cash return, and whether the property still cash-flows after refinancing.
Why Investors Use BRRRR
Done well, BRRRR lets you recycle the same pool of cash into property after property instead of saving a fresh down payment each time. The whole strategy hinges on two numbers: a realistic ARV and a disciplined all-in cost. Get those right and the refinance hands your money back while you keep a cash-flowing asset. Get the ARV wrong and your capital stays trapped — so always stress-test the appraisal.
Frequently Asked Questions
What does BRRRR stand for?
Buy, Rehab, Rent, Refinance, Repeat. You buy an undervalued property, renovate it to force equity, rent it out, then do a cash-out refinance based on the new higher value — ideally pulling most of your capital back out to fund the next deal.
What is "cash left in the deal"?
It is your total cash invested (purchase + rehab + closing) minus the cash-out refinance loan. If the refinance returns more than you put in, cash left is negative — you have recovered all your capital, making your cash-on-cash return effectively infinite.
What is the 70% rule in BRRRR?
A guideline that your all-in cost should be around 70% (lenders often refinance up to 75%) of the after-repair value (ARV). Staying at or below that lets the cash-out refinance return most of your capital. Above it, more cash stays trapped in the deal.
Why can pulling out maximum cash hurt?
A larger refinance loan means a larger mortgage payment, which reduces or eliminates monthly cash flow. The art of BRRRR is balancing capital recovery against keeping the property cash-flow positive — this calculator shows both at once.
What is the biggest risk in BRRRR?
An over-optimistic ARV. If the appraisal comes in below your estimate, the refinance returns less than expected and you leave more cash stuck in the property. Use conservative comparable sales for ARV, and budget rehab with a contingency.