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BRRRR Calculator
Model the full Buy-Rehab-Rent-Refinance-Repeat cycle. We'll show cash recovered at refi, cash left in the deal, and the return on the cash that stays.
Your numbers
Full BRRRR cycle from purchase to post-refi cash flow.
Cash-on-cash (on remaining cash)
∞Infinite return
- Total cash invested
- $240,000
- Refinance loan
- $247,500
- Cash recovered
- $240,000
- Cash left in deal
- $0
- Monthly cash flow
- $650
- Annual cash flow
- $7,800
How this is calculated
Refi loan = ARV × Refi LTV%
Cash left = (Purchase + Rehab) − Refi loan
CoC = (Annual cash flow ÷ Cash left) × 100
If refi loan ≥ total invested, you've pulled out all your capital, "infinite return." Any positive cash flow is pure gravy.
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Most BRRRRs die at the refi, DSCR caps, seasoning rules, surprise appraisals. We'll model the exit before you write the offer.
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Common questions
What does BRRRR stand for?
Buy, Rehab, Rent, Refinance, Repeat. The strategy: buy below market, force appreciation through rehab, stabilize with tenants, then cash-out refinance at the new ARV. The goal is to recycle most or all of your initial capital into the next deal.
Is BRRRR still viable in this market?
Yes, but it's harder. Rising rates compress refinance proceeds (lower DSCR caps the loan). Rehab costs are higher, comps move slower. A great BRRRR today usually means buying 25%–35% below ARV, wholesale, off-market, or distressed, not just MLS bargains.
How long should each phase take?
Buy: 30–45 days. Rehab: 60–120 days depending on scope. Rent: 30–60 days to lease at market. Refinance: 60–90 days seasoning, then 30–45 days to close. Total cycle is typically 6–9 months. Cycles longer than 12 months often eat the deal in carry costs.
What's a good cash-on-cash on the recycled cash?
On the cash you leave in the deal, target 10%+ cash-on-cash to justify the lockup. If you pull all your cash out (an 'infinite return' BRRRR), any positive cash flow is bonus. If you leave $40K in and earn $200/month, that's 6%, usually fine, but tight.
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Ready to run your BRRRR cycle past our team?
Most BRRRRs fail at the refi. We'll model lender DSCR caps, seasoning rules, and exit scenarios so you don't get stuck mid-cycle.
No slides. No sales pitch. Just a focused strategy call.