BRRRR Calculator
See how much cash you get back out after the refinance, your new monthly cash flow, and your cash-on-cash return.
✏️ These numbers were filled in from a shared link — change anything to make it your own.
How BRRRR works
- Buy + rehab — total cash in = purchase + rehab + closing/holding.
- Refinance — the new loan is ARV × your lender's LTV (often 75%).
- Cash left in = total invested − refinance loan. If the loan is bigger, you pull cash out — and cash-on-cash return goes to infinity.
- Cash flow = rent − the new mortgage payment − operating expenses.
Estimate only; lender terms and rehab costs vary. Not investment advice.
Frequently asked questions
What is the BRRRR method?
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You buy a distressed property, fix it up, rent it out, then do a cash-out refinance based on the higher after-repair value — ideally pulling most or all of your cash back out to buy the next one.
What does "cash left in the deal" mean?
It’s the money still tied up after you refinance: your total cash invested (purchase + rehab + closing) minus the refinance loan you pull out. If the refinance loan exceeds what you put in, you have zero (or negative) cash left in — an "infinite" cash-on-cash return.
How much can I refinance?
Lenders typically refinance investment properties at 70–75% of the after-repair value (LTV). This calculator uses your ARV and LTV to size the new loan, then checks whether it covers what you invested.