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BRRRR Calculator

BRRRR — Buy, Rehab, Rent, Refinance, Repeat — is a wealth-building strategy for residential real estate investors. The goal is to buy a distressed property, force appreciation through renovation, rent it out, then pull your initial capital back out via a cash-out refinance so you can do it again.

A true BRRRR works when the after-repair value (ARV) is high enough that your refinance loan covers most or all of your total investment (purchase + rehab + closing costs). The holy grail is "infinite returns" — zero cash left in the deal after refi, with a rented property generating monthly income. Use this calculator to stress-test whether a deal achieves a clean BRRRR or leaves capital in the deal.

BRRRR Calculator

Purchase Price ($)

Rehab / Renovation Cost ($)

After-Repair Value (ARV) ($)

Refinance LTV (%)

Refi Interest Rate (%)

Closing Costs (% of purchase)

Monthly Rent ($)

Monthly Expenses (taxes, ins, mgmt) ($)

Total Invested—

Refi Loan Amount—

Cash Left In Deal—

Cash Pulled Out—

Monthly Cash Flow—

Cash-on-Cash Return—

BRRRR success criteria

✅ Clean BRRRR: Cash left in deal = $0 or negative (you pulled all capital back out)

⚡ Near-BRRRR: Cash left in < $15,000 — negligible and acceptable for most investors

⚠️ Capital-inefficient: Large cash left in means the deal may work as a rental but doesn't free capital to repeat

🎯 Rule of thumb: ARV should be ≥ (Purchase + Rehab + Closing) / Refi LTV

Run the full BRRRR underwriting with AI

REDealIQ's residential underwriter includes BRRRR analysis, IRR projection, sensitivity analysis, and a 10-year proforma. Free tier available.

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