Model Buy-Rehab-Rent-Refinance-Repeat cycle gains
For BRRRR investors modeling capital recycling: how much equity you create at refinance and how many deals you can repeat.
BRRRR Calculator
Calculator Inputs
Sign in to run calculations
Create a free account to access calculators — no credit card required.
Create Free AccountWhat it does
The BRRRR Calculator models the complete Buy-Rehab-Rent-Refinance-Repeat cycle by projecting how much cash you recycle after the refinance versus how much you keep deployed. Input purchase price, rehab costs, pro forma rent, and refinance terms — the calculator shows how much equity you cash out and whether you've recovered your initial investment to deploy on the next deal.
BRRRR is the leverage-maximizing strategy because you use tenant cash flow to pay down debt, extract that equity through refinancing, then repeat with fresh capital. The calculator reveals whether you can achieve true capital recycling (recovering 100% of invested cash) or whether properties are leaving capital permanently deployed.
Who it's for
- Aggressive investors systematically scaling portfolios through capital recycling and compounding
- Fix-and-flip operators evolving into buy-and-hold by stabilizing flips and refi-ing before final sale
- Hard money borrowers planning exit strategies through refinance to permanent financing
- Syndicators evaluating BRRRR deals to present value of equity recapture to investors
How it works
Enter buy and rehab costs
Purchase price, repair budget, holding costs, and acquisition fees.
Project rental value and refinance scenario
Post-repair rent, operating expenses, refinance LTV (typically 75%), and new loan amount.
Calculate extracted capital and equity left in deal
Cash out at refinance; model the rental returns on your remaining equity.
Why it matters
Calculate equity created during rehab and after rental stabilization
Model how much cash to extract at refinance
Project how quickly you can repeat the cycle
Determine optimal BRRRR portfolio size and scaling rate
Unlock all 67 calculators + AI + reports
Full access to BRRRR Calculator, 66 other calculators, live FRED rates, AI deal verdicts, conservative/base/optimistic scenario projections, printable reports, and vault storage.
Investor Starter
No credit card — ever
- 1 calculator per day (Quick Reference)
- 50 glossary definitions per day
- 5 template previews
- Market Insights (read-only)
- Limited investor games (1 game)
- +3 more features
Core Investor
7-day free trial included
- 67 Professional Calculators — Unlimited
- 1/2/5/10-Year Scenario Projections
- Save & Print Reports to Vault
- 210+ Templates & Contracts
- 110+ Phone Scripts
- +7 more features
Pro Investor
7-day free trial included
- Everything in Core Investor
- Full Investor CRM — Included
- AI Deal Analyzer & Listing Analyzer
- AI Underwriting & Property Analysis
- AI Rehab Estimator & Rent Analyzer
- +7 more features
What every calculator includes
67 Calculators
Every investment strategy — rental, flip, BRRRR, mortgage, commercial, wealth building.
Scenario Projections
Conservative, base, and optimistic 1/2/5/10-year return modeling.
AI Deal Verdict
Claude-powered analysis — strengths, risks, and actionable recommendations.
Investor Vault
Save unlimited reports. Revisit, compare, and track every deal you've analyzed.
Print-Ready Reports
Professional PDF reports to share with agents, lenders, and partners.
Address Auto-Fill
Enter a property address to pre-fill value, rent, and tax data automatically.
Live FRED Rates
Mortgage rate fields pre-populate with Federal Reserve interest rate data.
Investment-Grade Math
Every formula audited against professional underwriting standards.
Secure checkout · Cancel anytime · 7-day free trial on Core & Pro
Frequently asked questions
What LTV should I use for the cash-out refinance?
Conventional BRRRR: 70–75% LTV. FHA BRRRR: 80% LTV. Hard money during rehab, conventional refinance after stabilization.
How much equity should I leave in each deal after refinance?
Minimum 25%. Leaving 25–35% equity ensures positive cash flow and limits lender risk, making the deal repeatable.
What happens if the property won't refinance?
It's a buy-and-hold asset then. BRRRR only works if the property reaches a rental income level lenders will refinance against.
How many BRRRR deals can I run simultaneously?
Depends on capital. A $100K down payment times 5 active rehabbing properties needs $500K. Most BRRRR investors run 3–5 concurrently.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
Related calculators
Fix & Flip Profit Calculator
Estimate total flip profit after purchase, rehab, holding, financing, and closing costs.
Open calculatorMortgage Refinance Calculator
Compare current vs new loan terms to find monthly savings and break-even timeline.
Open calculatorRehab Cost Estimator
Build an itemized repair budget by category before making an offer, so costs never blindside you.
Open calculatorMaximum Allowable Offer (MAO) Calculator
Work backward from your profit target and ARV to find the highest price you can defensibly offer.
Open calculatorReady to analyze your next deal?
Join thousands of investors using REI Vault Pro. All 67 calculators, scenario projections, AI insights, vault storage, and printable reports — start free, no credit card required.
