BRRRR Calculator
Calculate BRRRR strategy returns. Enter purchase price, rehab, ARV, rent and mortgage to see equity and cash flow after refinance.
Model the full buy-rehab-refinance cycleTry: Purchase price=200000, Rehab budget=50000, After-repair value (ARV)=350000, Monthly rent after rehab=2200, Mortgage payment after refi=1400, Operating expenses / month=300
How to Use
Enter the purchase price, rehab budget, after-repair value (ARV), expected monthly rent, post-refinance mortgage and operating expenses. The calculator shows your built equity and monthly cash flow after the refinance step.
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. The goal is to pull your initial capital back out through refinancing while retaining a cash-flowing property.
Frequently Asked Questions
What is the 70% rule in BRRRR?
The 70% rule says your total investment (purchase + rehab) should be no more than 70% of ARV. This leaves a 30% margin for profit, unexpected costs, and appraisal variance.
How does refinancing work in BRRRR?
After rehab, you refinance at the new appraised value (ARV). If you bought below market and added value, you can often pull out most or all of your initial cash. The new mortgage replaces your hard money or cash purchase.
What if the appraisal comes in low?
A low appraisal means you cannot refinance out all your cash. Always stress-test your numbers with a conservative ARV. Having 10–15% extra cash reserves protects you.