BRRRR Calculator

What is BRRRR? The BRRRR strategy lets you buy a distressed property, renovate it to increase its value, rent it out, then refinance to pull out most or all of your original cash — letting you reinvest without tying up capital. This calculator tells you if a deal works before you commit.

What this calculator shows: How much cash you need upfront, what the property is worth after renovations, how much you can refinance for, what your monthly cash flow will be, and your cash-on-cash return on the initial investment.

Who it's for: Real estate investors using the BRRRR strategy, house hackers, or anyone buying a distressed property to rent.

Purchase & Rehab

Purchase Price ($) oninput="calculate()"

After-Repair Value (ARV) ($) oninput="calculate()"

Rehab Costs ($) oninput="calculate()"

Closing Costs ($) oninput="calculate()"

Financing

Refinance LTV (%) typically 70-75% oninput="calculate()"

Refinance Rate (%) oninput="calculate()"

Refinance Term (years)

Cash-Out Closing Costs ($) oninput="calculate()"

Rental Income

Monthly Rent ($) oninput="calculate()"

Vacancy Rate (%) typically 5-10% oninput="calculate()"

Annual Expenses ($) taxes, insurance, maintenance oninput="calculate()"

Monthly HOA ($) oninput="calculate()"

Investment Summary

Total Cash Invested

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down payment + rehab + closing

Cash-Out Refi Amount

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maximum refi (ARV × LTV)

Net Cash Required

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cash actually tied up

Monthly Cash Flow

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rent minus all expenses

Cash-on-Cash Return

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annual cash flow / cash in

Cap Rate

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NOI / purchase price

Deal Breakdown

Purchase + Rehab + Closing

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Refi Proceeds (after costs)

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Annual Gross Rent

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Annual NOI (Net Operating Income)

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Refinance Monthly Payment

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Equity Created (ARV - Refi)

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Deal Grade: —

Ready to analyze your next BRRRR deal? Get pre-approved for investment loans from lenders specializing in BRRRR and rental property financing.

Estimates only. Actual refi amounts depend on credit, income, and lender criteria. Consult a mortgage broker and real estate investor before making offers.

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