🔄 Strategy
BRRRR
Calculator
Model your entire Buy, Rehab, Rent, Refinance, Repeat deal. See capital recovered, cash-on-cash return, and whether this qualifies as a true BRRRR.
How BRRRR works: You buy a distressed property, rehab it to force appreciation, rent it out, then do a cash-out refinance based on the new ARV — ideally recovering most or all of your initial cash to deploy on the next deal.
Capital Left In Deal
$4,000
Calculating...
Total Cash In
$120,000
All-in before refi
Cash Out (Refi)
$116,000
Loan proceeds
Monthly Cash Flow
$0
After refi mortgage
Cash-on-Cash
0%
On remaining capital
Deal Summary
Purchase Price—
+ Rehab Cost—
+ Closing & Holding—
= All-In Cost—
After Repair Value (ARV)—
Equity Created—
Refi Loan Amount (LTV)—
Capital Recovered—
Capital Left In Deal—
BRRRR Verdict—
Finance your next BRRRR deal
Hard money for the acquisition and rehab, then refinance into a 30-year DSCR loan.
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Frequently Asked Questions
What is the BRRRR strategy? ▾
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You buy a distressed property below market, renovate it to force appreciation (increasing the After Repair Value), rent it out to establish cash flow, then do a cash-out refinance at a higher LTV based on the new ARV — ideally pulling out most or all of your original investment to redeploy on the next deal.
What LTV can I get on a BRRRR refinance? ▾
Most conventional lenders will refinance an investment property at 70-75% LTV. DSCR lenders may go up to 75-80% LTV based on rental income. The key is that your ARV must be high enough relative to your all-in cost that a 70-75% LTV loan covers most of what you put in. If your all-in is $120k and ARV is $160k, a 75% LTV = $120k loan — a perfect BRRRR.
How soon can I refinance after buying? ▾
Most lenders require a 'seasoning period' of 6-12 months before a cash-out refinance. Conventional (Fannie/Freddie) loans require 6 months. Some portfolio lenders and DSCR lenders will refinance sooner. Factor this holding period into your costs — you'll need financing for the acquisition and rehab during the seasoning period, typically through cash, hard money, or a private lender.