Real Estate

BRRRR Method Calculator (Buy, Rehab, Rent, Refinance, Repeat)

Model the capital side of a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) deal: enter your purchase price, rehab and closing costs, the after-repair value, and the refinance LTV to see total capital invested, the cash-out refinance loan, and the cash left in the deal.

What this calculator does

The BRRRR Method Calculator (Buy, Rehab, Rent, Refinance, Repeat) estimates your result instantly from the values you enter, using standard real estate formulas. Model the capital side of a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) deal: enter your purchase price, rehab and closing costs, the after-repair value, and the refinance LTV to see total capital invested, the cash-out refinance loan, and the cash left in the deal. Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.

BRRRR Method Calculator Results

$0.00

Cash Left in Deal

  • Total Capital Invested —
  • Cash-Out Refinance Loan —

What This Means

About BRRRR Method Calculator (Buy, Rehab, Rent, Refinance, Repeat)

The BRRRR Method Calculator works out the capital-recovery step of a Buy, Rehab, Rent, Refinance, Repeat deal. It adds your purchase price, rehab costs, and purchase closing costs into the total capital invested, sizes the cash-out refinance loan as the after-repair value multiplied by the refinance LTV you enter, and subtracts that loan from your capital to show how much cash stays in the deal.

When the refinance proceeds cover all of your invested capital, the cash-left figure reaches zero or turns negative — the signature of a perfect BRRRR where you recycle your entire stake into the next project. The tool focuses on the equity you can pull back out; it does not model rent, mortgage payments, or ongoing cash flow.

Formula & Mathematical Calculation

Total Capital Invested = Purchase Price + Rehab Costs + Purchase Closing Costs

Cash-Out Refinance Loan = After Repair Value × (Refinance LTV % ÷ 100)

Cash Left in Deal = Total Capital Invested − Cash-Out Refinance Loan

Calculation Example

Buy $120,000 + Rehab $35,000 = $155,000 invested. A $220,000 ARV refinanced at 75% LTV gives a $165,000 loan. The refinance returns all $155,000 of capital plus $10,000 in cash, so the cash left in the deal is −$10,000 — a perfect BRRRR.

Key Benefits

  • Adds purchase, rehab, and closing costs into total capital invested
  • Sizes the cash-out refinance loan from the ARV and the LTV you enter
  • Shows the cash left in the deal, flagging perfect BRRRRs where all capital is recovered

How to Use this Calculator

  1. Enter purchase and rehab costs
    Input the purchase price, rehab costs, and purchase closing costs.
  2. Enter the after-repair value
    Input the new appraised ARV in the After Repair Value / ARV ($) field.
  3. Enter the refinance LTV
    Input the refinance loan-to-value as a percentage in the Refinance LTV (%) field.
  4. Calculate
    Click Calculate to see total capital invested, the refinance loan, and the cash left in the deal.

Assumptions & Limitations

What the calculation assumes

  • Every value you enter is treated as an exact, known amount.
  • Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
  • Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
  • Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
  • Amounts are unit-agnostic: results are returned in the same currency you enter.

What it does not cover

  • BRRRR Method Calculator (Buy, Rehab, Rent, Refinance, Repeat) produces estimates for education and planning, not a quote, offer or professional advice.
  • Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
  • Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
  • Figures are only as accurate as the inputs you supply — check them before acting on the result.
  • For decisions with lasting financial impact, confirm the numbers with a qualified professional.

Frequently Asked Questions

A perfect BRRRR occurs when the new cash-out refinance loan covers 100% of your initial purchase, closing, and rehab costs, allowing you to own a cash-flowing rental property with zero of your own money left in the deal (infinite return).

It adds your purchase price, rehab costs, and purchase closing costs into total capital invested, computes the new loan as the ARV you enter multiplied by your refinance LTV divided by 100, and subtracts the loan from the capital. The remainder is the cash left in the deal — for $120,000 purchase, $30,000 rehab, $6,000 closing, a $200,000 ARV, and 75% LTV, that is $156,000 minus $150,000, or $6,000.

The engine handles that case explicitly: when the result is 0 or less, the interpretation line reports that you recover all capital plus the absolute value of the negative amount in cash — the mathematical signature of a perfect or better-than-perfect BRRRR.

No. The refinance LTV is an input you provide in the Refinance LTV (%) field, and the engine applies exactly that percentage to the ARV. No fixed rate is assumed by the calculation itself.

The purchase price and the ARV must both be greater than 0. If the purchase price is 0 the engine stops with 'Enter the purchase price.'; if the ARV is 0 it stops with 'Enter the after-repair value.'

Free to use, no account needed. Calculations run in your browser, so nothing you type is sent to a server. Results are estimates — how we build and check our calculators.

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