BRRRR Calculator
Buy, Rehab, Rent, Refinance, Repeat. Analyze the perfect investment strategy.
Purchase Phase
We assume the rest of the purchase price is financed via a bridge or hard money loan.
Rehab & Hold
Loan interest, utilities, insurance during rehab.
Refinance
Rent
Taxes, Insurance, Maint (Before Mortgage).
BRRRR Analysis
Total Capital Invested
$51,200
Down + Closing + Rehab + Holding
New Loan Amount
$120,000
Refinanced at 75% LTV
Cash Returned on Refi
$45,000
New Loan - Old Debt
Money Left in Deal
$6,200
Invested - Cash Returned
Annual Cash Flow
$3,130
Cash on Cash ROI
50.5%
💡 Pro Tip: The "Perfect BRRRR" happens when "Money Left in Deal" is $0 (or negative). This means you have pulled all your original cash out and own the property for free (infinite ROI).
Understanding the BRRRR Method
Buy, Rehab, Rent, Refinance, Repeat (BRRRR) is a strategy used by real estate investors to build a rental portfolio with limited capital. By forcing appreciation through renovation, you can recover your initial capital when you refinance, allowing you to use the same money to buy the next deal.
The 4 Phases of Wealth
- Buy: Purchase a distressed property below market value (usually with cash or hard money).
- Rehab: Renovate the property to increase its value (ARV) and make it rent-ready.
- Rent: Place a tenant to generate cash flow and qualify for a conventional mortgage.
- Refinance: Take out a long-term loan based on the new, higher appraisal value to pay off the short-term debt and recover your cash.