BRRRR Calculator
Analyze a BRRRR deal. Enter purchase, rehab, the after-repair value, and refinance terms to see how much cash you pull back out, what's left in the deal, and the cash-on-cash return.
Example: with Purchase price $100,000 · Rehab budget $30,000 · Closing + holding costs $7,000 · After-repair value (ARV) $180,000 → Cash left in deal: $2,000.
- Refinance loan$135,000
- Cash pulled out$135,000
- Monthly cash flow$202
Computed by the calculator below using its default values. Change any input to see your own numbers.
Capital recovered
How you compare
The BRRRR payoff
BRRRR — Buy, Rehab, Rent, Refinance, Repeat — works when the cash-out refinance returns most or all of your invested cash, letting you recycle it into the next deal. The key numbers are cash left in the deal (lower is better) and cash-on-cash return, which goes toward infinity as the cash left approaches zero. A strong ARV and disciplined rehab budget make or break it.
How it’s calculated
Total invested = purchase + rehab + costs. Refinance loan = ARV × LTV; cash left in deal = invested − loan; cash-on-cash = annual cash flow ÷ cash left.
Results update as you type and are estimates, not professional advice — verify important decisions with a qualified professional.
Common mistakes
- Using an optimistic ARV that misses at appraisal.
- Underbudgeting rehab and holding costs.
Frequently asked questions
Why can cash-on-cash be 'infinite'?
If the refinance returns all your invested cash, you own a cash-flowing property with no money left in — an undefined (effectively infinite) return.
What LTV can I refinance at?
Investment cash-out refinances commonly allow around 70–75% of the after-repair value. Confirm with your lender.
What's the biggest risk?
A low appraisal or a rehab overrun. If ARV comes in under plan, you pull out less and leave more cash stuck in the deal.