US BRRRR Calculator

Does this BRRRR deal actually work?

Buy, Rehab, Rent, Refinance — see how much cash you pull back out, what your monthly cash flow looks like, and whether the numbers stand up to a lender's underwriting.

1Buy & Rehab

2Rent & Refinance

3Results

4Report

Purchase price ($) * What you'll pay to acquire the property, before rehab.

Acquisition closing costs ($) (optional) Title, escrow, transfer tax, inspections. If blank, we'll estimate at 3% of purchase.

Rehab budget ($) * All-in cost of the renovation: labor, materials, permits, contingency.

Holding costs during rehab ($) (optional) Property taxes, insurance, utilities, hard-money interest while rehabbing. 0 if none.

After-repair value (ARV) ($) * What the property will appraise for once the rehab is finished. This drives your refinance loan amount.

Expected monthly rent ($) * What you can realistically rent the unit for post-rehab.

Monthly operating expenses ($) * Property taxes, insurance, mgmt, vacancy reserve, repairs reserve, HOA. Excludes the mortgage.

Cash-out refinance LTV (%) * Typical investor cash-out refinances are 70–75% of ARV.

Refinance interest rate (%) * Annual rate on the refinanced loan.

Refinance term (years) * 30 years is the most common investor refinance term.

Refinance closing costs ($) (optional) Lender fees, title, appraisal. If blank, we'll estimate at 2% of the refinance loan.

* Required field

Cash-on-cash return

0.0%

Cash left in deal

Monthly cash flow

Equity captured

All-in cost (acquisition + rehab)

Total cash you'll have into the deal before the refinance.

Purchase price	—
Acquisition closing costs	—
Rehab budget	—
Holding costs during rehab	—
All-in cost	—

Refinance

How much cash the cash-out refinance puts back in your pocket.

After-repair value (ARV)	—
Refinance loan (ARV × LTV)	—
Refinance closing costs	—
Refinance proceeds (net)	—
Cash left in deal (all-in − refinance proceeds)	—

Cash flow & returns

What the property earns after the refinance.

Monthly rent	—
Monthly operating expenses	—
Monthly mortgage payment (P&I)	—
Monthly cash flow	—
Annual cash flow	—
Cash-on-cash return	—
Equity captured (ARV − all-in cost)	—
DSCR (NOI ÷ annual debt service)	—

BRRRR Deal Analysis

BRRRR Deal Report

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BRRRR Deal Summary

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Headline metrics

Cash-on-cash return	—
Cash left in deal	—
Monthly cash flow	—
Equity captured	—
DSCR	—

Deal assessment

All-in cost

Purchase price	—
Acquisition closing costs	—
Rehab budget	—
Holding costs	—
All-in cost	—

Refinance

ARV	—
Refinance loan (ARV × LTV)	—
Refinance closing costs	—
Refinance proceeds (net)	—

Operations

Monthly rent	—
Monthly operating expenses	—
Monthly mortgage payment	—
Annual cash flow	—

About this report. Generated from your inputs and Landlord Studio's BRRRR calculator. Not financial, tax, or investment advice. The figures above depend entirely on the inputs you provided and assume the refinance lender's underwriting will agree with your ARV. Actual results vary with appraisal outcomes, lender terms, market shifts, vacancy, and unforeseen rehab costs. Always run independent due diligence and consult a qualified accountant, lender, and real estate professional before committing capital.

About this calculator. Not financial, tax, or investment advice. All figures are calculations from your inputs, including assumptions you'll need to validate independently — most importantly the after-repair value, which determines your refinance loan size. Lender underwriting may produce a different appraisal. Cash-on-cash return excludes appreciation, principal paydown, and tax benefits; it's a snapshot of the cash yield on cash left in the deal post-refinance. Always run your own due diligence and consult a qualified accountant, lender, and real estate professional before committing capital.

How profitable is your next BRRRR deal?

Built for real BRRRR deals

Account for rehab contingencies, holding costs, refinance seasoning, and ongoing expenses - the line items most calculators miss.

See if you hit "infinite return"

Instantly know whether you'll recover all your capital at refinance - the make-or-break number for every BRRRR investor.

How does the BRRRR calculator work?

Enter your purchase price, rehab budget, After Repair Value (ARV), and refinance terms. The calculator instantly shows you how much capital you'll recover at refinance, your monthly cash flow, and your cash-on-cash return - so you can decide whether a deal is worth pursuing before you write an offer.

What is the Buy, Rehab, Rent, Refinance, Repeat strategy?

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You buy an undervalued property, renovate it to force appreciation, rent it out, refinance at the new higher value to pull your capital back out, then repeat the process on the next property. Done well, it lets you scale a rental portfolio without continually injecting new capital. Read our full guide to the BRRRR method.

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