What does the BRRRR calculator measure?

It models a buy, rehab, rent, refinance, repeat deal from purchase through refinance: total cash invested, the cash-out refinance amount, cash left in the deal, monthly cash flow, cap rate, and cash-on-cash return.

How is the refinance loan amount calculated?

The refinance loan is the after-repair value times the refi LTV percentage you enter. A lender DSCR floor can reduce the loan further when the property income does not support the full payment.

What is cash left in the deal?

It is total cash invested minus the cash returned by the refinance. When the refinance returns all of the invested cash, the cash-on-cash return is shown as infinite.

What expenses does the rent phase include?

Monthly cash flow subtracts vacancy, property taxes, insurance, management, maintenance, capital expenditure reserves, and HOA fees from rent, along with the refinanced mortgage payment.

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BRRRR calculator

Buy · Rehab · Rent · Refinance · Repeat — full investor metrics.

Mortgage BRRRR Fix & flip Deal analyzer

Standard assumptions pre-filled — click any chip to override

The deal

Purchase price

ARV (after-repair value)

Rehab cost

Closing costs (buy)

Hold period (months)

Monthly rent

You fill this inPurchase financingHard money · 70% LTV · 12.0% rate

Loan type

LTV (% of ARV)

Down payment: $0

Rate (%)

Refinance

Refi LTV (%)

Refi loan: $262,500

Refi rate (%)

You fill this inStandard assumptions15% contingency · 5% vacancy · 8% mgmt · $4,500 taxes/yr · …

Industry-standard defaults — click any chip to override

Rehab & hold

Operating expenses

Refinance details

Calculated for youFull analysisrehab budget · holding · cash flow · capital

Rehab budget

Base rehab cost

$40,000

Contingency (15%)

buffer for overruns

+$6,000

Total rehab budget

$46,000

Before refi — monthly holding cost

Hard money interest (purchase)

ARV basis (70% LTV) — purchase loan $200,000

$2,000

Hard money interest (rehab)

drawn ~50% — $38,000

$190

Other monthly costs

taxes, insurance, utilities

$400

Total monthly holding

$2,590

Total hold cost

6 months

$15,540

Stabilized monthly cash flow (post-refi)

Gross rent

$3,400

Vacancy loss

5% vacancy

−$170

Effective rent

$3,230

Refi mortgage

−$1,746

Monthly cash flow

$6,064/yr

$505

Capital flow

Total capital deployed

down + closing + acq fees + rehab + hold costs

$29,540

Loan payoff at refi

full balance — interest-only loan

−$238,000

Refi closing costs

−$5,000

Capital recovered at refi

66% of total deployed

+$19,500

Capital still in deal

34% of capital still deployed

$10,040

Equity position

ARV − refi loan

$87,500

Your capital — recovered vs. still in deal

Recovered 66% ($19,500)Still in 34% ($10,040)

Calculated for youStress test — what if?ARV −10% · rehab +20% · rent ±10% · rate +2%

How the deal changes under five common risk scenarios

Scenario	Cash in deal	DSCR	Monthly cash flow
Base case	$10,040 in deal	1.29	$505
ARV −10% ($315,000)	$36,290 in deal	1.43	$680
Rehab +20% (+$9,200)	$19,240 in deal	1.29	$505
Rent −10% ($3,060/mo)	$10,040 in deal	1.10	$182
Rent +10% ($3,740/mo)	$10,040 in deal	1.47	$828
Rate +2% (9.0%)	$10,040 in deal	1.07	$140

Calculated for youDeal visualscash donut · capital recovery · cash-flow timeline

Where your cash goes

Total invested: $29,540

Rehab (cash)$8,000

Closing costs$6,000

Holding costs$15,540

Capital recovery

What you put in vs. what comes back at refi

Annual cash flow breakdown

NOI vs. debt service vs. cash flow per year

Stabilized monthly cash flow

$505

$6,064/yr · post-refi, after mortgage, taxes & all expenses

Cash at refi

$10,040

34% left in

Cash-on-cash

60.40%

annual return

Capital recycled

66%

$19,500 back

Export

Monthly cash flow

$505

Cash left in deal

$10,040