BRRRR Calculator
Model the Buy, Rehab, Rent, Refinance, Repeat strategy. Calculate total acquisition costs, cash-out refinance proceeds, post-refinance cash flow, capital recovery, and BRRRR score.
Buy Phase
Rehab Phase
= $3,500 buffer
Interest, utilities, taxes during rehab
Rent Phase
Tax, insurance, management, maintenance
Refinance Phase
Max loan: $150,000
Leave 0 if purchasing with cash
BRRRR Score
Weighted analysis of capital recovery, DSCR, and cash flow
Total All-In Cost
$164,700
Max Refinance Loan
$150,000
Cash Remaining in Deal
$14,700
Capital Recovery
91.07%
Post-Refi Cash Flow
-$77
monthly
Cash-on-Cash Return
-6.27%
Cost Breakdown
| Purchase Price | $120,000 |
| Purchase Closing Costs | $3,000 |
| Total Acquisition | $123,000 |
| Rehab Budget (with contingency) | $38,500 |
| Holding Costs | $3,200 |
| Total All-In Cost | $164,700 |
| ARV | $200,000 |
| Max Refinance Loan (75% LTV) | $150,000 |
| Cash Out After Payoff | $150,000 |
| Cash Remaining in Deal | $14,700 |
Post-Refinance Analysis
Refinance Mortgage
$1,049/mo
Monthly NOI
$972
Post-Refi Cash Flow
-$77/mo
Cap Rate on ARV
5.83%
DSCR
0.93
Equity After Refi
$50,000
BRRRR Method Explained
Buy: Purchase a distressed property below market value, typically requiring significant repairs. Acquisition costs include purchase price, closing costs, and any upfront financing.
Rehab: Renovate the property to increase its value to the After-Repair Value (ARV). Budget a contingency (typically 10–20%) for unexpected costs.
Rent: Place a tenant and stabilize the property's cash flow before refinancing. Lenders typically require 6 months of seasoning (confirmed rental income).
Refinance: Refinance based on the new appraised ARV. A cash-out refinance at 75% LTV on a $200,000 ARV provides $150,000 in loan proceeds.
Repeat: Use recovered capital to fund the next deal. The closer to 100% capital recovery, the faster you can scale.
BRRRR Cash-Out Refinance Example
A BRRRR cash-out refinance estimates how much capital you can recover after rehab. Start with the after-repair value (ARV), multiply by the lender's refinance LTV, then subtract existing loan payoff and refinance costs.
ARV = $260,000
Refinance LTV = 75%
Max refinance loan = $195,000
Total all-in cost = $192,000
Refinance costs = $5,000
Cash left in deal = $2,000
This example nearly recovers all cash, but the deal still needs positive post-refinance cash flow and acceptable DSCR. A high refinance amount is not useful if the new debt payment makes the rental unstable.
Read the full BRRRR cash-out refinance exampleEducational Disclaimer
All calculations are estimates for educational and planning purposes only. PropertyFlowTools.com does not provide financial, tax, legal, lending, or investment advice. Verify calculations and consult qualified professionals before making property or financing decisions.
Last reviewed: 2026