BRRRR Calculator

Analyze Buy, Rehab, Rent, Refinance, Repeat deals instantly. See your capital recovery, cash flow, and feasibility score in real time.

1 Buy

$
%
$3,600

2 Rehab

$
$

3 Rent

$
%
$
Insurance, taxes, maintenance, mgmt

4 Refinance

%
Loan: $150,000
%
years
83 Strong BRRRR

BRRRR Feasibility Score

Monthly Cash Flow $208 $998/mo mortgage
Cash-on-Cash Return 29.0% Annual return on invested capital
Capital Left in Deal $8,600 94.6% recovered
Cap Rate 7.2% NOI: $14,472/yr
DSCR 1.21x Below typical 1.25x threshold
Total Cash Invested $158,600 Purchase + closing + rehab

Capital Flow

Cash In: $158,600
Refi Out: $150,000
Left: $8,600
Repeat: You recovered 94.6% — only $8,600 needed for the next deal.

How the BRRRR Method Works

1

Buy

Find and purchase a property below market value — typically distressed, off-market, or foreclosed. The goal is to buy at 60-70% of the after-repair value.

2

Rehab

Renovate the property to increase its value. Focus on improvements that raise the appraisal (kitchens, bathrooms, curb appeal) while keeping costs controlled.

3

Rent

Place a qualified tenant and stabilize the property. Most lenders require 6+ months of rental history before refinancing. Target rents that produce positive cash flow.

4

Refinance

Refinance based on the new appraised value (ARV). At 75% LTV, if your total investment is less than 75% of the ARV, you recover 100% of your capital.

5

Repeat

Take the recovered capital and repeat the entire process on a new property. This is how investors build portfolios of 10, 20, or 50+ properties from a single pool of cash.

Frequently Asked Questions

What is the BRRRR method in real estate?

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It's a real estate investing strategy where you purchase a distressed property below market value, renovate it, rent it out, refinance based on the new (higher) appraised value, and use the recovered capital to repeat the process on another property.

What is a good BRRRR deal?

A strong BRRRR deal typically recovers 90-100% of invested capital through refinancing, generates positive monthly cash flow of $200+, has a DSCR above 1.25, and achieves an after-repair value at least 30-40% above the purchase price plus rehab costs.

How do you calculate cash-on-cash return for a BRRRR deal?

Cash-on-cash return = Annual Cash Flow ÷ Capital Left in Deal. After refinancing, your 'capital left in deal' is total cash invested minus the refinance proceeds. If you pull all your money out, your cash-on-cash return is technically infinite since you have $0 remaining in the deal.

What LTV do most lenders offer for cash-out refinancing?

Most conventional lenders offer 70-80% LTV (Loan-to-Value) on cash-out refinances of investment properties. Some portfolio lenders or DSCR lenders may go up to 80% LTV if the property cash flows well. The higher the LTV, the more capital you can recover.

Run this analysis on every property in your market

xREI automatically scores every listing against your BRRRR criteria — ARV, cash flow, rehab budget, and refinance projections.

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