Calculators
BRRRR Strategy Calculator
Analyse a BRRRR deal: cash invested, cash-out refinance, cash left in the deal, monthly cash flow and cash-on-cash return.
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The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Screening BRRRR deals
- Setting a maximum purchase price
- Planning renovation budgets
- Explaining the strategy to partners
About this tool
What the BRRRR Strategy Calculator does
The BRRRR method buys a property below value, renovates it, rents it, then refinances at the new after-repair value (ARV) to pull cash out for the next deal. The key questions are how much cash stays in the deal after the refinance and whether rent still covers the larger new mortgage.
Formula
- All-in cost = purchase + renovation + closing and holding
- Refinance loan = ARV × loan-to-value
- Cash left in deal = all-in cost + refinance costs − refinance loan
- Cash flow = rent × (1 − operating share) − new mortgage payment
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Purchase price | $150,000 |
| Renovation cost | $40,000 |
| Closing and holding costs | $8,000 |
| After-repair value | $250,000 |
| Refinance loan-to-value | 75% |
| Refinance rate | 7.25% |
| Refinance term | 30 |
| Refinance closing costs | $5,000 |
| Monthly rent | $2,300 |
| Operating costs and reserves | 40% |
| Result | Value |
|---|---|
| Cash left in the deal | $15,500 |
| Monthly cash flow after refinance | $101 |
| Cash-on-cash return | 7.8% |
| Refinance loan | $187,500 |
| Equity after refinance | $62,500 |
| All-in cost | $198,000 |
| All-in cost as share of ARV | 79.2% |
How to read the result
Keeping the all-in cost at or below about 75% of ARV is what lets a 75% loan-to-value refinance return most of your cash.
Lenders may require a seasoning period before refinancing on the new value, so budget holding costs for that time.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
Buy, rehab, rent, refinance, repeat.
After-repair value: the property's market value once renovations are complete.
That is normal. The return on that remaining cash is shown as cash-on-cash return.
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- Working since
- 2023