BRRRR Method Calculator

Buy + Rehab → Rent → Refinance (75% LTV) → Repeat. Compute cash recovered + ongoing cash flow.

Inputs

Result

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How to use this calculator

  • Enter all costs and ARV.
  • Set refi LTV (75% standard) and rate.
  • Estimate monthly rent + expenses.

About this calculator

BRRRR (Buy, Rehab, Rent, Refinance, Repeat) is the buy-and-hold investor playbook. Buy distressed below ARV; rehab with cash or hard money; rent it out; refi at 75-80% LTV pulling out most/all of original cash; repeat with the recovered capital. The deal "works" if refi recovers ≥ 100% of cash in (zero or negative left in deal = infinite cash-on-cash return) and the monthly cash flow covers the new mortgage with margin.

Frequently asked

What's "infinite return"?+
When you recover 100%+ of cash via refi, you have $0 of your own money left invested but still earn cash flow. ROI = ∞.
Realistic LTV?+
Conventional cash-out: 75-80% on investment property. Some portfolio lenders go higher.
What if ARV is lower than expected?+
Less cash recovered. Stress-test with 90% of expected ARV.
Refi seasoning?+
Most lenders require 6 months of ownership before cash-out refi. Some allow "delayed financing" sooner.
When does BRRRR fail?+
Underestimated rehab, overestimated ARV, rates rising during deal, can't rent it out fast.

Related calculators

Fix-and-Flip Profit Calculator
Profit = sale − purchase − rehab − holding − selling costs.
Property Holding Cost Calculator
Holding = (taxes + insurance + utilities + interest) × months.
Rehab Budget Calculator
Sum cosmetic / mid / heavy rehab line items + contingency.
After-Repair Value (ARV) Calculator
ARV = avg comp $/ft² × subject ft². Average from 3-5 sold comps within 1 mile, last 6 months.
Max Purchase Price (Target Cap Rate)
Max purchase = NOI / target cap rate. Reverse-engineer from desired return.
Cash-Out Refinance Calculator
Cash out = (new loan − old loan payoff) − closing costs.

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ARV = avg comp $/ft² × subject ft². Average from 3-5 sold comps within 1 mile, last 6 months.

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