Business

BRRRR Calculator

Buy, rehab, rent, refinance — how much cash comes back out.

Enter your values

Purchase price($)

Enter the purchase price in $.

Rehab budget($)

Enter the rehab budget in $.

Holding and closing costs($)

Enter the holding and closing costs in $.

After-repair value($)

Enter the after-repair value in $.

Refinance LTV(%)

Enter the refinance ltv in %.

Refinance rate(%)

Enter the refinance rate in %.

Term(yr)

Enter the term in yr.

Monthly rent($)

Enter the monthly rent in $.

Monthly operating expenses($)

Enter the monthly operating expenses in $.

Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.

Results

Cash left in the deal: $19,500.00
Cash pulled back out: $217,500.00
Total invested: $237,000.00
New loan amount: $217,500.00
New monthly payment: $1,447.03
Annual cash flow: -$324.40
Cash-on-cash after refinance: -1.7%
Equity created: $53,000.00

Quick answer

A BRRRR works when the refinance at the after-repair value returns most of your cash: cash left in = total invested − (ARV × refinance LTV − payoff).

Cash left in = invested − (ARV × LTV − loan payoff)

At a glance

What it does	Buy, rehab, rent, refinance — how much cash comes back out.
Category	Business
Inputs needed	Purchase price, Rehab budget, Holding and closing costs, After-repair value, Refinance LTV, Refinance rate, Term, Monthly rent, Monthly operating expenses
Main output	Cash left in the deal
Formula	Cash left in = invested − (ARV × LTV − loan payoff)
Cost	Free — no sign-up, no download

How to use the BRRRR Calculator

1Enter purchase price, rehab budget and holding costs.
2Enter a realistic after-repair value backed by comparable sales.
3Set the refinance LTV your lender offers, then check the cash left in.

Inputs explained

Purchase price($): Enter the purchase price in $.
Rehab budget($): Enter the rehab budget in $.
Holding and closing costs($): Enter the holding and closing costs in $.
After-repair value($): Enter the after-repair value in $.
Refinance LTV(%): Enter the refinance ltv in %.
Refinance rate(%): Enter the refinance rate in %.
Term(yr): Enter the term in yr.
Monthly rent($): Enter the monthly rent in $.
Monthly operating expenses($): Enter the monthly operating expenses in $.

Worked example

Using the values the calculator loads with:

Inputs

Purchase price180000 $
Rehab budget45000 $
Holding and closing costs12000 $
After-repair value290000 $
Refinance LTV75 %
Refinance rate7 %
Term30 yr
Monthly rent2200 $
Monthly operating expenses780 $

Results

Cash left in the deal$19,500.00
Cash pulled back out$217,500.00
Total invested$237,000.00
New loan amount$217,500.00
New monthly payment$1,447.03
Annual cash flow-$324.40
Cash-on-cash after refinance-1.7%
Equity created$53,000.00

Frequently asked questions

What makes a BRRRR fail?

An optimistic ARV and an over-run rehab budget. If the appraisal comes in low, the refinance returns less and your cash stays trapped.

Is there a seasoning period?

Most lenders require 6–12 months of ownership before they will refinance at the new appraised value rather than your purchase price.

What do I need to enter into the BRRRR Calculator?

Just 9 values: purchase price, rehab budget, holding and closing costs, after-repair value, refinance ltv, refinance rate, term, monthly rent, monthly operating expenses. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.

How does the BRRRR Calculator work out the answer?

A BRRRR works when the refinance at the after-repair value returns most of your cash: cash left in = total invested − (ARV × refinance LTV − payoff). It applies the formula Cash left in = invested − (ARV × LTV − loan payoff) and shows the working so you can check each step by hand.

Is the BRRRR Calculator free, and do I need an account?

It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.

Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.