Real Estate
BRRRR Calculator (Buy, Rehab, Rent, Refinance)
See how much cash you leave in the deal — and your return after the refinance.
Free BRRRR calculator. Enter purchase, rehab, ARV, and refinance terms to see your cash left in the deal, monthly cash flow, and cash-on-cash return after the cash-out refinance.
Cash left = invested − refinance loan. Pull all your capital back out (negative cash left) and the cash-on-cash return is effectively infinite.
How it works
Enter the purchase and rehab
Input the purchase price, rehab budget, other costs (closing/holding), and the After-Repair Value.
Enter the refinance terms
Add the refinance loan-to-value, interest rate, and term, plus your monthly rent and operating expenses.
Read your cash left in the deal
The calculator returns your cash left in the deal after the cash-out refi, monthly cash flow, and cash-on-cash return.
Frequently asked
What does BRRRR stand for?
Buy, Rehab, Rent, Refinance, Repeat. You buy a distressed property, renovate it, rent it, then do a cash-out refinance to pull most or all of your capital back out — ideally leaving little cash in the deal so you can repeat the process.
How is the cash left in a BRRRR deal calculated?
Cash left = total invested (purchase + rehab + other costs) − the refinance loan (ARV × refi LTV). If the refinance loan exceeds what you put in, you've pulled all your capital back out and the cash-on-cash return is effectively infinite.
What's a good refinance LTV for BRRRR?
Many lenders cash-out refinance investment properties at 70–75% of ARV. A higher LTV pulls more cash out but raises the loan and lowers cash flow. This calculator lets you model your lender's actual terms.
Why does cash-on-cash matter in BRRRR?
Because the whole strategy is about recycling capital. The less cash you leave in the deal, the higher your cash-on-cash return — and if you pull everything out, your return isn't measured against cash invested at all. It's the metric that tells you whether the BRRRR actually worked.