BRRRR Calculator
Run the numbers on your next BRRRR deal. See cash left in the deal, post-refi cash flow, and equity instantly.
Cash Left in Deal
Monthly Cash Flow (post-refi)
$0.00/mo
New Loan Amount (Refi)
$0.00
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See total project cost, value created, equity, closing costs, annual NOI, cap rate, DSCR, cash-on-cash return, and scenarios.
Full Breakdown
Total Project Cost
$275,000.00
Value Created (ARV - cost)
$125,000.00
Total Cash Invested
$68,000.00
Cash Received in Refi
$112,500.00
Capital Recycled %
165.4%
Down Payment
$45,000.00
Closing Costs
$8,200.00
Annual NOI
$18,400.00
DSCR
1.42
Cash-on-Cash Return
12.8%
Save & export, scenario selector, and AI chat available in the app
BRRRR Calculator — Buy, Rehab, Rent, Refinance, Repeat
The BRRRR strategy — Buy, Rehab, Rent, Refinance, Repeat — is one of the most powerful wealth-building frameworks in real estate. You buy a distressed property below market value, renovate it to force appreciation, rent it out to stabilize cash flow, and then refinance to pull your original capital back out. That recycled capital funds your next deal, letting you scale your portfolio without needing new cash for every purchase.
The key metric in a BRRRR deal is "cash left in the deal" — how much of your original investment remains tied up after you refinance. Ideally, this number is zero or negative (meaning you got ALL your money back plus extra). When you achieve that, you’ve created an infinite return: you own a cash-flowing asset with none of your own money still in it.
Frequently Asked Questions
What is the BRRRR strategy?
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You buy a property below market value (often distressed), renovate it to increase its value, rent it out for cash flow, then refinance based on the new, higher appraised value to pull your original capital back out. You then use that recycled capital to buy your next property and repeat the cycle.
What does "cash left in deal" mean?
Cash left in deal is how much of your original investment (down payment + closing costs + rehab + holding costs) remains in the property after you refinance. For example, if you invested $75,000 total and the refi gives you back $90,000, your cash left in deal is $0 (you recovered 120% of your capital). When this number hits zero, you have an infinite return — you own the asset with none of your own money still in it.
What LTV do lenders allow on a BRRRR refinance?
Most conventional lenders allow up to 75% LTV on a cash-out refinance for investment properties (some go to 80%). For a BRRRR deal, this means if your after-repair value (ARV) is $300,000, you can typically refinance up to $225,000–$240,000. The difference between that refi amount and what you owe (purchase loan + rehab costs) is the cash you get back. Some portfolio lenders and DSCR loans may offer higher LTVs depending on the property’s cash flow.