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BRRRR Calculator
Model Buy, Rehab, Rent, Refinance, Repeat real estate investment deals to calculate cash invested, equity created, refinance cash-out, and cash-on-cash ROI.
🔒 This tool runs entirely in your browser. Your files are never uploaded to a server.
Refinance Cash-Out
Net Money Left in Deal
Instant Equity Created
BRRRR Deal Lifecycle Breakdown
| Stage / Metric | Amount | Notes |
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How it works
- Buy: Enter the distressed or off-market acquisition price and closing costs.
- Rehab: Add estimated renovation material, labor, and carrying holding expenses.
- Rent & Refinance: Input projected monthly market rent and expected After Repair Value (ARV).
- Model your long-term cash-out refinance (such as 75% LTV) to see how much capital you recover for your next deal.
The formula
Key BRRRR investment equations:
Total All-in Cost = Purchase Price + Rehab Budget + Closing Costs
Refinance Loan Amount = ARV × (Refinance LTV % / 100)
Net Cash Left in Deal = Total All-in Cost − Refinance Loan Amount
Retained Equity = ARV − Refinance Loan Amount
FAQ
What does the BRRRR real estate acronym stand for?
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It is a popular real estate investment strategy designed to build wealth by acquiring distressed properties below market value, renovating them to force appreciation, renting them out, and refinancing to pull out initial capital.
What is a "perfect" BRRRR deal?
A perfect BRRRR occurs when the new cash-out refinance loan (typically 70-80% of After Repair Value) equals or exceeds 100% of the total purchase, rehab, and holding capital originally invested, resulting in an "infinite return" because all original capital has been recycled.
What is After Repair Value (ARV)?
ARV is the estimated market value of a residential property after all planned renovations, modernizations, and structural repairs are completed, based on comparable recently sold properties (comps) in the same neighborhood.
What is the "seasoning period" for refinancing?
Most conventional mortgage lenders require a seasoning period (commonly 6 to 12 months) before they will refinance based on the new appraised ARV rather than your original purchase price.
How we compare
| Feature | Online Tool Store | Paid real estate SaaS | Generic mortgage calculator |
|---|---|---|---|
| Complete 5-stage BRRRR cash-out model | ✓ | ✓ | ✗ |
| Free without paywall or subscription | ✓ | ✗ | ✓ |
| Instant live feedback on every keystroke | ✓ | ✗ | ✓ |