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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.

Cash-on-Cash Return

∞

↑ Infinite return

Purchase price
USD
Rehab costs (all-in)
USD
After-repair value (ARV)
USD
Refinance LTV
%

DSCR-loan products typically cap at 75%–80% LTV.

Monthly rent (post-rehab)
USD / mo
Monthly expenses (incl. new mortgage)
USD / mo

Taxes, insurance, mgmt, vacancy reserve, plus the refi P+I.

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.

Pressure-test your BRRRR with our team

Most BRRRRs die at the refi — DSCR caps, seasoning rules, surprise appraisals. We'll model the exit before you write the offer. Free 30-minute consult.

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FAQ

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.
Need help interpreting your numbers?

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.