BRRRR Calculator

Buy, Rehab, Rent, Refinance, Repeat. See how much of your money comes back at the refinance and what the rental earns afterward.

How it works

• The refinance loan is the after-repair value times the lender's loan-to-value (often 70–75%).
• Cash out is the new loan minus the old loan and refinance closing costs.
• Cash left in the deal is your total cash in minus the cash out. Cash flow uses the new loan payment.

Frequently asked questions

What loan-to-value do lenders allow on a cash-out refinance?

Most investor lenders allow 70–75% of the appraised value on a cash-out refinance, and many require you to own the property for 3–6 months first (the seasoning period).

What makes a BRRRR deal work?

Buying far enough below the after-repair value that 75% of the ARV covers the purchase and rehab. If it does, nearly all of your cash comes back and you still own a rental.