BRRRR Strategy Calculator
Estimate cash recycled at refinance, cash left in the deal, refinance payment, DSCR, and post-refi cash flow for a BRRRR rental project.
Last updated: 2026-03-26
BRRRR strategy calculator
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Estimate refinance proceeds, cash left in the deal, and post-refi cash flow for a buy-rehab-rent-refinance-repeat project.
Cash Left In Deal
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Enter purchase, rehab, rent, and refinance assumptions to estimate how much cash stays in the deal after refinance.
Calculation History(0)
Example calculations
Tap an example to prefill the calculator with sample values.
Typical starter BRRRR
$180k buy, $45k rehab, $300k ARV
A common first-pass screen for seeing how much cash can be recycled out after the rehab and refinance are complete.
Result: The refinance can recycle a large share of the original cash, but the remaining cash in the deal still matters for the true cash-on-cash return.
Low-cash-left scenario
Higher ARV relative to basis
Useful for seeing what happens when the refinance nearly returns all of the initial cash but the ongoing rent still has to support the new debt service.
Result: Pulling out most of the original cash can look great upfront, but the refinance payment still needs enough rent spread behind it.
How the BRRRR estimate works
The calculator estimates the initial cash required from the down payment, rehab budget, purchase closing costs, and refinance closing costs, then compares that with the net proceeds available from a refinance based on the ARV and refinance LTV you entered.
It next amortizes the refinance loan to estimate the new payment, subtracts operating costs from rent to frame DSCR and monthly cash flow, and uses the remaining cash in the deal as the basis for a cash-on-cash return estimate.
BRRRR strategy FAQs
Use these answers to read the refinance math, DSCR, and recycled-capital outputs carefully.
What does cash left in the deal mean?
It is the original cash you had to put into the project minus the net cash recovered from the refinance. That remaining capital is usually the denominator that matters for the post-refi cash-on-cash return.
Why is refinance closing cost included twice in the flow?
It is included in the total cash required for the project and then deducted from refinance proceeds because it consumes part of the capital stack on the way out.
Does this model bridge interest, seasoning, or lender overlays?
No. It is a simple underwriting frame. Real BRRRR deals can differ because of bridge interest, forced-appraisal outcomes, lender seasoning rules, reserves, and capital-expenditure assumptions.
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</script> Related tools
Use nearby real-estate tools to compare a BRRRR hold with simpler rental or flip underwriting.
Rental Yield Calculator
Use a simpler long-hold rental screen when you do not need the buy-rehab-refi cycle.
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Pressure-test monthly payment sensitivity outside the BRRRR acquisition and refinance cycle.
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Compare a rental recycle strategy with a faster buy-rehab-sell exit.
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