BRRRR Calculator
Analyze a BRRRR deal. Enter purchase, rehab, the after-repair value, and refinance terms to see how much cash you pull back out, what's left in the deal, and the cash-on-cash return.
Capital recovered
How you compare
🏚️ Get the BRRRR deal analyzer (Excel) — $29
Get itThe BRRRR payoff
BRRRR — Buy, Rehab, Rent, Refinance, Repeat — works when the cash-out refinance returns most or all of your invested cash, letting you recycle it into the next deal. The key numbers are cash left in the deal (lower is better) and cash-on-cash return, which goes toward infinity as the cash left approaches zero. A strong ARV and disciplined rehab budget make or break it.
How it’s calculated
Total invested = purchase + rehab + costs. Refinance loan = ARV × LTV; cash left in deal = invested − loan; cash-on-cash = annual cash flow ÷ cash left.
Results update as you type and are estimates, not professional advice — verify important decisions with a qualified professional.
Worked example
Buy $100k, rehab $30k, ARV $180k, refi at 75% returns $135k — leaving only ~$2,000 in the deal with positive cash flow.
Common mistakes
- Using an optimistic ARV that misses at appraisal.
- Underbudgeting rehab and holding costs.
Where it is used
- Analyzing a BRRRR deal before buying.
- Seeing how much cash you recycle into the next deal.
Frequently asked questions
Why can cash-on-cash be 'infinite'?
If the refinance returns all your invested cash, you own a cash-flowing property with no money left in — an undefined (effectively infinite) return.
What LTV can I refinance at?
Investment cash-out refinances commonly allow around 70–75% of the after-repair value. Confirm with your lender.
What's the biggest risk?
A low appraisal or a rehab overrun. If ARV comes in under plan, you pull out less and leave more cash stuck in the deal.
Get the free Calculator Pack
One email with our most-used spreadsheets and new calculators. No spam.
Thanks! Check your inbox to confirm. (Demo form — connect to your email tool.)