BRRRR Calculator
Buy, Rehab, Rent, Refinance, Repeat — Calculate equity captured and cash left in deal.
🏠
BUY
🔨
REHAB
🔑
RENT
🏦
REFINANCE
🔄
REPEAT
BBuy — Purchase Details
Target distressed properties below market value for BRRRR deals.
$
What the property will be worth after renovations.
$
Title, escrow, inspection, etc.
$
Cash or hard money are common for BRRRR deals.
Hard money typically requires 10-30% down.
%
Hard money rates are typically 10-14%.
%
Origination points. Typically 2-4 points.
pts
RRehab — Renovation Budget
Total renovation cost including materials, labor, and contractor fees.
$
Expected time to complete. Affects holding costs.
months
Holding Costs During Rehab
Monthly property taxes during rehab.
$/mo
Builder's risk or vacant property insurance.
$/mo
Electric, water, gas during construction.
$/mo
RRent — Rental Income & Expenses
Expected rent after renovation. Crucial for DSCR qualification.
$
Total opex as % of rent (taxes, insurance, management, vacancy, maintenance, CapEx). 40-50% typical.
%
= $990/mo
RRefinance — Long-Term Loan
% of ARV lender will loan. DSCR loans go up to 75-80%.
%
New loan = $187,500
Rate on long-term DSCR loan. Currently 7-9%.
%
30 years is standard.
years
Appraisal, title, origination. Often rolled into loan.
$
Cash Left In Deal
$7,500
of $77,500 invested
Cash Recouped
90%
Deal Summary
Equity Captured ⓘInstant equity from buying below ARV and forcing appreciation.
$62,500
Cash-Out from Refi ⓘCash received when refinancing (new loan minus payoff and closing).
$70,000
Monthly Cash Flow ⓘNet monthly income after expenses and mortgage.
$199
Key Metrics (Post-Refi)
Cash on Cash ⓘAnnual cash flow ÷ cash left. Can be infinite in successful BRRRR!
32%
DSCR ⓘMust be 1.0+ to qualify for DSCR loans. 1.25+ gets better rates.
1.15
Cap Rate (on ARV) ⓘNOI ÷ ARV. Yield on stabilized property.
5.8%
Total Investment
Purchase (down + closing)$35,000
Rehab Budget$50,000
Holding Costs$1,350
Loan Costs (points + interest)$6,000
Total Cash Invested$92,350
Need the refinance loan?
Get pre-qualified for a DSCR loan. Close your refi in 2-3 weeks.
Get a DSCR Quote