Buy, Rehab, Rent, Refinance, Repeat — analyze the full cycle. See how much cash you recover in the refi, your cash-on-cash on remaining equity, and whether the deal pencils.
📍 Property Address (optional)
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InputsYour Numbers
Acquisition & Rehab
Purchase Price?
$
Rehab Budget?
$
After-Repair Value (ARV)?
$
Cash-Out Refinance
Refi LTV %?
%
Refi Interest Rate %?
%
Refi Term (years)?
Rental Income & Expenses
Monthly Rent?
$
Vacancy %?
%
Property Tax / mo?
$
Insurance / mo?
$
Maintenance %?
%
BRRRR AnalysisDeal Breakdown
Enter values to analyze the BRRRR
Cash Left In
--
after refi
Cash Recovered
--
from refi
Cash-on-Cash
--
on cash left in
Monthly CF
--
after refi pmt
Buy & Rehab Phase
Purchase Price--
Rehab Budget--
Total All-In Cost--
After-Repair Value (ARV)--
Equity Created--
Refinance Phase
Refi Loan (ARV x LTV)--
Total Cash Invested--
Cash Recovered at Refi--
Cash Left in the Deal--
Monthly Refi Payment--
Rental ReturnsAfter Refi
Enter rental income above
Monthly NOI
--
before debt
DSCR
--
NOI / pmt
Cap Rate
--
NOI / ARV
Annual CoC
--
on cash left in
Monthly Cash Flow
Gross Rent--
Vacancy Loss--
Eff. Gross Income--
Operating Expenses--
Net Operating Income--
Refi Mortgage Payment--
Monthly Cash Flow--
Return Metrics
Annual Cash Flow--
Cash-on-Cash Return--
Infinite CoC (if $0 left in)--
5-Year Cash Flow--
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1
Enter Purchase & Rehab
Input what you're paying and your rehab budget. Total all-in cost should be well below ARV -- aim for 70-75% of ARV max.
2
Enter the ARV
After-Repair Value is the property's market value after renovations. Get this from comparable recent sales within 1 mile, similar size and condition.
3
Set Refi Terms
Most BRRRR investors refinance at 70-75% LTV. Enter your expected refi rate and the calculator shows how much cash you pull back out.
4
Enter Rental Income
The rent you'll charge after renovation. This drives your long-term cash flow. Check Rentometer.com or Zillow for local market rents.
5
Review Cash Left In
The key BRRRR metric: how much of your own cash is still in the deal after the refi? Less cash left in = higher cash-on-cash return.
6
Check the Returns
CoC return on cash left in. If you achieve a full BRRRR (zero cash left in), your return is technically infinite -- you own the asset for free.
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. The goal is to recycle your capital -- use your cash to buy and fix a distressed property, then pull most or all of it back out through a cash-out refinance once the property is stabilized and appraised at ARV.
The magic number is total all-in cost vs ARV x LTV. If your all-in is $190K and you can refi at 75% of a $250K ARV ($187.5K), you've gotten almost all your cash back while keeping the asset.
The BRRRR strategy works best in markets with a spread between distressed prices and retail ARV, where you can add value through renovation, and where the rental market is strong enough to support DSCR qualifying for the refi loan.