BRRRR Calculator
The BRRRR strategy lives or dies on the refinance: how much of your cash comes back out, how much stays in, and what the remaining cash earns. Enter your purchase, rehab, ARV, and refinance terms to see the deal's shape.
Cash left in the deal
$2,500
Of your original cash, this much stays trapped in the property after the refinance.
Monthly cash flow after refinance
$353
Rent minus operating expenses minus the new mortgage payment of $1,247/mo.
Common questions
What does BRRRR stand for?
Buy, Rehab, Rent, Refinance, Repeat. You buy a distressed property with cash, renovate it, rent it out, then refinance based on the new appraised value (the after-repair value) to pull most of your cash back out — and repeat with the next property.
Why is the ARV the risky input?
Everything downstream — the refinance loan amount, how much cash stays trapped in the deal, and your cash-on-cash return — is computed from the after-repair value. If the appraisal comes in low, your cash stays stuck. Stress-test the deal with a conservative ARV before you commit.
What does 'infinite' cash-on-cash return mean?
If the refinance returns all the cash you put in (or more), you have little or no money left in the deal — so any positive cash flow is an infinite return on zero invested. It's the ideal BRRRR outcome, but remember you still carry the mortgage debt and its risk.