📊 Maximum Allowable Offer
Enter ARV and rehab budget — the template calculates exactly what you can pay for the property while maintaining your target equity cushion.
🏦 Refinance Proceeds Calculator
Calculates exactly how much cash you can pull out at refinance based on LTV, ARV, and closing costs. Know your number before you close.
💰 Cash-Out Analysis
Compares total cash invested vs. cash recovered after refinance. BRRRR succeeds when you recover more cash than you put in.
📅 5-Year Hold Projections
Annual rent growth, expense escalation, equity buildup, and cash flow projections over 5 years with adjustable assumptions.
✅ Deal Grading (A+ to F)
Each deal automatically graded based on cash-out potential, DSCR, and cash-on-cash return at refinance.
📐 Hard Money + Conventional Inputs
Supports both the acquisition loan (hard money) and the refinance loan in separate input sections.
What is the BRRRR strategy?
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. The strategy uses a short-term hard money loan to purchase and renovate a distressed property, then a long-term conventional loan to refinance and pull out most or all of the capital originally invested — allowing you to repeat the process with the recovered cash.
What LTV do lenders use for BRRRR refinances?
Most conventional lenders allow 75% LTV for investment property refinances. Some portfolio lenders go to 80%. Our template uses 75% as default with an adjustable input so you can model different scenarios.
How do you calculate maximum allowable offer for BRRRR?
MAF = (ARV × Refi LTV) − Rehab Costs − Refi Closing Costs − Minimum Cash Reserve. This is the most you can pay and still recover all your cash at refinance.
Does the template include a 70% rule calculation?
Yes. The BRRRR template applies the 70% rule to the acquisition phase, calculating your maximum allowable offer based on after-repair value and keeping rehab costs separate so you never overpay for a deal.
Is this the same as a house hacking calculator?
No. BRRRR focuses on recovering all invested capital through cash-out refinancing. House hacking focuses on living in part of the property to reduce or eliminate your housing cost. See our House Hacking template for that use case.