BRRRR Calculator — Buy, Rehab, Rent, Refinance, Repeat

What is BRRRR? The BRRRR strategy lets you buy a distressed property, renovate it to boost its value, rent it out, then refinance to pull most of your cash back out — letting you recycle capital into the next deal without it sitting locked up.

What this calculator shows: How much cash you need upfront, the property's value after renovations, how much you can cash-out refinance for, your monthly cash flow, and your cash-on-cash return on the actual cash invested.

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

Purchase & Rehab

Purchase Price ($) what you pay

After-Repair Value (ARV) ($) market value after rehab

Rehab Costs ($) renovation budget

Purchase Closing Costs ($) title, escrow, fees

Refinance Terms

Refinance LTV (%) typically 70–75% of ARV

Refinance Interest Rate (%)

Refinance Term

Cash-Out Refi Closing Costs ($)

Rental Income & Expenses

Monthly Rent ($)

Vacancy Rate (%) typically 5–10%

Annual Operating Expenses ($) taxes, insurance, maintenance

Monthly HOA ($)

Investment Summary

Total Cash Invested

—

down payment + rehab + closing

Cash-Out Refi Amount

—

ARV × LTV

Net Cash Required

—

cash actually tied up in deal

Monthly Cash Flow

—

rent minus all expenses

Cash-on-Cash Return

—

annual cash flow ÷ cash in

Cap Rate

—

NOI ÷ purchase price

Deal Breakdown

Purchase + Rehab + Closing

—

Refi Proceeds (after closing costs)

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Annual Gross Rent

—

Annual NOI (Net Operating Income)

—

Refi Monthly Payment

—

Equity Created (ARV − Refi)

—

Deal Grade: —

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Estimates only. Actual refinance amounts depend on credit, income, and lender criteria. Consult a mortgage broker and experienced real estate investor before making offers. This calculator is for educational purposes.