BRRRR calculator
Model a buy, rehab, rent, refinance, repeat deal end to end: total invested, cash left in after the refinance, monthly cash flow, and capital recycled.
Buy & Rehab
Holding Costs During Rehab
Time from purchase to tenant-ready
Loan payments, taxes, insurance, utilities
Rent & Refinance
Taxes, insurance, vacancy, maintenance, management
Most lenders offer 70-80%
Cash Left in Deal
$6,800
Monthly Cash Flow
$102
Cash-on-Cash Return
18.04%
Annual Cash Flow
$1,227
Equity Captured
$55,000
Total Invested
$167,800
Refinance Amount
$165,000
Monthly Mortgage
$1,098
Rehab Phase Cost Breakdown
| Purchase Price | $120,000 |
| Rehab / Renovation | $40,000 |
| Purchase Closing Costs | $3,000 |
| Holding Costs (4 mo) | $4,800 |
| Total Cash Needed | $167,800 |
Minimum ARV for full cash recovery: $229,067 at 75% LTV. Your ARV of $220,000 is $9,067 short.
Need accurate rent data for your BRRRR analysis?
The rent number determines whether your deal cash flows after refinancing. Get real comps for any address.
How the BRRRR method works
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You buy a property below market value, renovate it to increase its value, rent it out, then do a cash-out refinance based on the new appraised value. Done right, the refinance hands back most or all of your original investment, and you put that into the next deal.
A common mistake is forgetting holding costs during the rehab phase. If you are using hard money or a private loan during rehab, those monthly payments add up. A 4-month rehab at $1,200/month in holding costs is $4,800 that comes directly out of your profit. This calculator includes those costs so you see the true all-in number.
What are infinite returns?
Infinite returns means you have zero cash left in the deal after refinancing. You recovered every dollar. Any cash flow going forward is pure return on $0 remaining investment. This requires buying significantly below ARV and adding substantial value through rehab. In practice, most BRRRR deals leave some cash in, typically 10-20% of the total investment. Use the minimum ARV insight above to see exactly what appraisal value you need.
If a BRRRR deal does not pencil out, it could still work as a fix and flip instead. Run the same numbers through the flip calculator to compare exit strategies. For a quick sanity check on the rental side, try the rental property calculator.
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