BRRRR Calculator | Buy, Rehab, Rent, Refinance, Repeat
BRRRR Calculator
Model a Buy → Rehab → Rent → Refinance → Repeat deal end to end. See how much cash you leave in the deal after refinancing, your monthly cash flow, DSCR, and cash-on-cash return.
Acquisition & Rehab
Refinance
Rental Operations
Deal Results
| All-in cost | — |
|---|---|
| Cash invested before refi | — |
| Refinance loan amount | — |
| Net cash returned at refi | — |
| Monthly debt service (P&I) | — |
| Monthly operating expenses | — |
| Annual net operating income | — |
How this is calculated. All-in cost = purchase + rehab + purchase closing costs + holding costs. The refinance loan is ARV × LTV; net cash returned subtracts refi closing costs. Cash left in the deal is what you cannot pull back out — a textbook BRRRR aims for zero or negative, but a modest amount left in at a strong cash-on-cash return is still a good outcome. Operating expenses apply vacancy, management, maintenance and CapEx as percentages of gross rent, plus taxes, insurance and HOA. DSCR is annual NOI divided by annual debt service; most lenders want 1.20 or better. Figures are estimates for planning only — actual results depend on appraisal, lender terms, rehab overruns and local rents.
Distressed and off-market properties are where BRRRR margins come from. Browse county lead lists on ListCentral — probate, tax delinquent, absentee owner and pre-foreclosure records from all 3,143 US counties. Request a free sample for any county first.
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