How it works
How this tool works.
The BRRRR strategy — buy, rehab, rent, refinance, repeat — lives or dies on one question: after the refinance, how much of your cash is still stuck in the deal? Buy and renovate well, and the new loan against the after-repair value returns most of your money to deploy again. Miss on the numbers, and your capital is trapped in a property that also has to cash-flow around a bigger payment.
This calculator runs the whole loop from your inputs: purchase price, rehab cost, your after-repair value estimate, the refinance LTV, rate, and term, and the property’s monthly rent and operating expenses. It returns the new loan amount, the cash pulled back out, the cash left in the deal, the equity remaining, and the post-refi monthly cash flow. One honest warning up front: every output leans on the ARV you type in. That is your assumption, not the tool’s — if the appraisal comes in lower, the loan, the cash out, and the equity all shrink with it.
Enter the purchase price, rehab cost, and your after-repair value (ARV) estimate.
Set the refinance LTV, rate, and term — the new loan is your ARV × the LTV percentage.
The tool compares the new loan to your total cash in (price + rehab) to estimate cash pulled out, cash left in the deal, and equity remaining.
Enter monthly rent and operating expenses to see the estimated cash flow after the new loan payment.