BRRRR Calculator

BRRRR Calculator

Buy, Rehab, Rent, Refinance, Repeat — analyze your next investment property

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 ($)

After-Repair Value (ARV) ($)

Rehab Costs ($)

Closing Costs ($)

Financing

Refinance LTV (%) typically 70-75%

Refinance Rate (%)

Refinance Term (years)

Cash-Out Closing Costs ($)

Rental Income

Monthly Rent ($)

Vacancy Rate (%) typically 5-10%

Annual Expenses ($) taxes, insurance, maintenance

Monthly HOA ($)

Investment Summary

Total Cash Invested

—

down payment + rehab + closing

Cash-Out Refi Amount

—

maximum refi (ARV × LTV)

Net Cash Required

—

cash actually tied up

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 costs)

—

Annual Gross Rent

—

Annual NOI (Net Operating Income)

—

Refinance Monthly Payment

—

Equity Created (ARV - Refi)

—

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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We may earn a commission if you click above. Calculator is free to use.

Frequently Asked Questions

What is the BRRRR method?

Buy, Rehab, Rent, Refinance, Repeat — a real estate investment strategy where you improve a distressed property, rent it out, cash-out refinance to pull out your original capital, and repeat with the freed-up money.

How does a cash-out refinance work?

After the property is renovated and rented, you refinance for more than the original loan. The lender pays you the difference in cash. This lets you recover your initial down payment and renovation costs without selling the property.

What is the 70% rule in house flipping?

Offer = ARV (After Repair Value) × 70% - Estimated Renovation Costs. This ensures you have room for profit and unexpected costs. Adjust down in hot markets or up in distressed sales.

How much does a BRRRR property need to appraise for?

For a cash-out refinance, lenders typically lend 65-75% of the appraised value. If you need $150K out and the as-renovated value is $200K, the property must appraise at $230K+ to extract that amount at 65% LTV.

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