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BRRRR deal analyzer
Run the BRRRR (Buy-Rehab-Rent-Refinance-Repeat) numbers — purchase + rehab against post-refi cash position and cash-on-cash return.
Cash left in deal
Negative = full cash-out
Show the work
- Monthly cash flow$182
- Cash-on-cash return32.4%
- New loan amount$131,250
BRRRR — the math that decides whether you can repeat
The whole point of BRRRR is to recycle your capital. If you can't pull most of your money out at the refinance step, the strategy degrades into "buy-and-hold-with-extra-steps." This calculator surfaces the cash-left-in number that determines whether you can BRRRR again.
The five steps
- Buy below market (off-market, distressed, foreclosure)
- Rehab to bring to market condition (or above)
- Rent to stabilize at market rent
- Refinance at 70-75% of After Repair Value (ARV)
- Repeat with the cash you pulled out
The two failure modes
- ARV came in low — your appraisal at refinance is below your projection, leaving you with cash trapped in the deal.
- Rates moved — DSCR rates rose mid-rehab and the refi cash-flow doesn't pencil. You may be forced to hold conventional financing or wait.
The decision rule
- Cash left in ≤ 25% of total in: great BRRRR — recycle 75%+ of capital
- Cash left in 25-50%: OK — half-BRRRR, slower compound
- Cash left in > 50%: failed BRRRR, treat as long-term hold
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