BRRRR Calculator
Analyze a BRRRR rental deal: cash left in the deal, new equity, and monthly cash flow after refinance.
Independently verified for accuracy
Calculator by Toolsloft ↗- Total invested
- 135000
- Refinance loan
- 135000
- Cash left in deal
- 0
- New equity
- 45000
- Monthly payment
- 898.16
- Monthly cash flow
- 201.84
Run the numbers on a BRRRR deal: buy, rehab, rent, refinance, repeat. Enter your purchase, rehab, and closing costs, the after-repair value, and the refinance terms to see how much cash stays in the deal and what it cash-flows each month. A negative cash-left figure means you pulled out more than you put in.
How this is calculated
Total invested is purchase plus rehab plus other costs. The refinance loan is the after-repair value times the lender loan-to-value. Cash left in the deal is total invested minus that loan, new equity is ARV minus the loan, and monthly cash flow is rent minus the amortized loan payment and expenses.
How to use
- Enter the purchase price, rehab, and other costs.
- Add the after-repair value and the refinance LTV, rate, and term.
- Enter monthly rent and expenses to see cash flow and cash left in the deal.
Examples
- Full recovery:
135,000 invested, 135,000 refinance loan, 0 left in deal - Cash-out:
128,000 invested, 140,000 loan, -12,000 (you pulled cash out)
FAQ
- What does a negative cash left in deal mean?
- The refinance loan is larger than everything you put in, so you recovered all your capital and pulled extra cash out tax-free at closing.
- What LTV should I use for the refinance?
- Investor cash-out refinances commonly cap at 70 to 75 percent of the after-repair value. Use the figure your lender offers.
- Does cash flow include vacancy and capital reserves?
- Only what you put in the monthly expenses field. For a conservative number, include taxes, insurance, management, vacancy, and maintenance reserves there.