Free BRRRR Calculator

Analyze Buy, Rehab, Rent, Refinance, Repeat deals. Estimate capital recovery, equity gained, refinance proceeds, and monthly cash flow.

What Is the BRRRR Strategy?

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat — a real estate investment strategy where an investor buys a distressed property below market value, renovates it to increase its value, rents it to tenants for cash flow, refinances based on the new higher appraised value to recover most or all of the initial investment, and repeats the process with the recovered capital. A successful BRRRR deal recovers 75% to 100% of the investor's cash through refinancing.

How to Analyze a BRRRR Deal

  1. Purchase price & rehab budget — total cash needed upfront (aim for 70-75% of ARV including rehab)
  2. After Repair Value (ARV) — the property's appraised value after renovation, based on comparable sales
  3. Rental income — expected monthly rent after renovation
  4. Refinance terms — typically 75% LTV cash-out refinance at current market rates
  5. Cash flow analysis — monthly rent minus expenses and new mortgage payment

Key BRRRR Metrics

  • Capital Recovery: How much of your initial cash you get back through refinancing (target: 75-100%)
  • Cash Left in Deal: Your remaining capital after refinance — lower is better
  • Cash on Cash ROI: Annual cash flow divided by the cash left in the deal (can be infinite if you recover 100%)
  • Monthly Cash Flow: Rental income minus expenses and new mortgage payment (target: $100-$300+ per unit)
  • Equity Gained: ARV minus new loan balance — your forced appreciation from the rehab

Frequently Asked Questions

What is a good BRRRR deal?

A good BRRRR deal recovers at least 75% of your initial cash investment through refinancing, generates positive monthly cash flow of $100+ per unit after the new mortgage, and creates instant equity through forced appreciation from the rehab.

How long should I wait before refinancing a BRRRR property?

Most lenders require a seasoning period of 6 to 12 months after purchase before allowing a cash-out refinance. Some portfolio lenders offer shorter seasoning periods of 3 to 6 months. The appraisal for refinance is based on the property's current market value after renovation.

Is this BRRRR calculator free?

Yes, the BRRRR calculator is completely free with no signup required. It is part of the Real Estate Investment Calculator suite, which also includes tools for rental property ROI analysis, house flipping, mortgage payments, and live mortgage rates.