BRRRR Strategy Calculator (Buy, Rehab, Rent, Refinance, Repeat)
Model a BRRRR deal end to end — see how much cash you leave in after the cash-out refinance, the equity you capture, and your ongoing rental cash flow.
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How the BRRRR calculator works
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat — a strategy that recycles the same capital across multiple rentals. This calculator models the full cycle: your all-in cost (purchase + rehab + closing + holding), the after-repair value, the cash-out refinance, and the rental cash flow that remains once the new loan is in place.
The magic number is cash left in the deal: after you refinance, a lender typically lends up to 75% of the after-repair value (ARV). Cash Left In = Total Cost Invested − (ARV × 0.75). If that number is at or near zero, you've pulled out most of your original capital and can redeploy it into the next property — the essence of BRRRR.
Equity, refinance, and cash flow
Equity captured is ARV minus the new loan balance — the wealth you create by buying below value and renovating. The calculator also shows post-refinance cash flow: rent minus the new mortgage payment, taxes, insurance, management, and maintenance. A great BRRRR pulls out most of your cash AND still cash-flows; a marginal one may return capital but break even monthly.
The two levers that make or break a BRRRR are an accurate ARV and a disciplined rehab budget. Overestimate ARV or blow the rehab, and you'll leave cash trapped in the deal and stall your ability to repeat. Refinance seasoning periods (often 6 months) and current interest rates also affect how much you can pull out.
Frequently asked questions
What is the BRRRR method?
BRRRR — Buy, Rehab, Rent, Refinance, Repeat — is a strategy where you buy a distressed property below value, renovate it, rent it, then do a cash-out refinance to pull your capital back out and reuse it on the next deal.
How much cash can I pull out on a BRRRR refinance?
Lenders typically refinance up to 75% of the after-repair value (ARV). If your total cost invested is at or below 75% of ARV, you can recover most or all of your original cash — the calculator shows exactly how much stays in the deal.
What makes a good BRRRR deal?
The ideal BRRRR returns nearly all of your capital at refinance AND still cash-flows each month. That requires buying well below ARV, controlling the rehab budget, and confirming the property will appraise for your ARV estimate.
Do I need to season the loan before refinancing?
Many lenders require a seasoning period — often 6 months of ownership — before a cash-out refinance at full ARV. Confirm your lender's rules early, since seasoning affects how quickly you can repeat the cycle.
Is this BRRRR calculator free?
Yes — the BRRRR calculator is free with no signup. Enter your purchase, rehab, ARV, and rent to see cash left in the deal, equity, and cash flow instantly. Sign up free to save deals or find off-market BRRRR candidates.