BRRRR Return Calculator
Model the BRRRR sequence in plain terms: Buy, Rehab, Rent, Refinance, Repeat. Add project costs, the initial loan, refinance valuation and LTV, rent, operating costs, and new debt service to see how much cash may remain in the property after refinance.
Best for
Make the next pricing or planning decision with context
Test refunds, returns, or reserve assumptions before you rely on the property scenario's margin. It covers cash invested, refinance proceeds, cash left in a rental, and post-refinance cash flow for a BRRRR scenario.
Instant calculations · Editable fee assumptions · Export-ready results
Inputs
Values update results instantly. Adjust fee assumptions to match your seller dashboard.
Your figures are saved in this browser on this device.
Buy and rehab
Carrying costs through rehab and stabilization.
Initial financing
Loan balance paid off or accounted for at refinance.
Refinance
Editable valuation scenario for the refinance.
Loan-to-value percentage applied to the appraised value.
Rental operations
Exclude new debt service.
Results
Live estimates based on your inputs and editable fee assumptions.
Total project cost
$202,000.00
Purchase, rehab, acquisition, holding, and financing costs.
Initial cash invested
$82,000.00
Project cost less the initial loan balance, floored at zero.
Refinance loan amount
$187,500.00
Appraised value multiplied by refinance LTV.
Refinance closing costs
$3,750.00
Rate applied to the refinance loan amount.
Cash returned at refinance
$63,750.00
Refinance proceeds after initial loan payoff and refinance costs.
Cash left in the deal
$18,250.00
Initial cash invested less cash returned.
Monthly cash flow
$140.00
Rent after vacancy and expenses, less new debt service.
Annual cash flow
$1,680.00
Monthly cash flow multiplied by 12.
Cash-on-cash return
9.2%
Annual cash flow divided by positive cash left in the deal.
What this means
The scenario leaves $18,250.00 in the deal after returning $63,750.00. Post-refinance cash flow is $1,680.00 annually, or 9.2% cash-on-cash on remaining cash.
BRRRR capital and rental result
Interactive breakdown of fees, costs, and remaining profit.
Distribution
- Project cost$202,000.0051.6%
- Initial loan$120,000.0030.7%
- Refinance costs$3,750.001.0%
- Cash returned$63,750.0016.3%
- Annual cash flow$1,680.000.4%
Total $391,180.00 · 5 segments · interactive
Line-item breakdown
Dollar amounts, share of revenue, and visual proportion.
- Total project cost
- $202,000.00
- Initial loan balance
- $120,000.00
- Initial cash invested
- $82,000.00
- Refinance loan amount
- $187,500.00
- Refinance costs
- $3,750.00
- Cash returned at refinance
- $63,750.00
- Cash left in the deal
- $18,250.00
- Monthly cash flow
- $140.00
- Annual cash flow
- $1,680.00
- Cash-on-cash return
- 9.2%
Assumptions used
- • Refinance 75.0% LTV on $250,000.00 appraised value
- • Cash returned $63,750.00 after $120,000.00 initial loan payoff and refinance costs
- • Cash-on-cash uses $18,250.00 remaining cash
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Explore Real Estate InvestingBRRRR Return Calculator
Generated 9/10/2026, 1:19:13 AM · Currency USD
Inputs
- Purchase price: 150000
- Rehab cost: 35000
- Acquisition closing costs: 4000
- Total holding costs: 6000
- Financing costs: 7000
- Initial loan balance: 120000
- Refinance appraised value: 250000
- Refinance LTV rate: 75
- Refinance closing-cost rate: 2
- Monthly rent: 2200
- Vacancy rate: 5
- Monthly operating expenses: 750
- New monthly debt service: 1200
Results
- Total project cost: $202,000.00
- Initial loan balance: $120,000.00
- Initial cash invested: $82,000.00
- Refinance loan amount: $187,500.00
- Refinance costs: $3,750.00
- Cash returned at refinance: $63,750.00
- Cash left in the deal: $18,250.00
- Monthly cash flow: $140.00
- Annual cash flow: $1,680.00
- Cash-on-cash return: 9.2%
Interpretation
The scenario leaves $18,250.00 in the deal after returning $63,750.00. Post-refinance cash flow is $1,680.00 annually, or 9.2% cash-on-cash on remaining cash.
How it works
Methodology & formulas
This calculator is transparent by design. Review the steps and formulas so you can trust the estimate and adjust assumptions when your dashboard differs.
Calculation steps
- 1Buy and rehab cost = purchase + rehab + acquisition closing + holding + financing.
- 2Initial cash invested = project cost − initial loan balance, floored at zero.
- 3Refinance loan = appraised value × LTV rate.
- 4Refinance costs = refinance loan × refinance closing-cost rate.
- 5Cash returned = refinance loan − initial loan balance − refinance costs, floored at zero.
- 6Cash left = initial cash invested − cash returned. Annual cash flow uses rent after vacancy, operating costs, and new debt service.
Formulas
- Project cost = purchase + rehab + closing + holding + financing
- Refi loan = appraised value × LTV%
- Cash returned = max(refi loan − initial loan − refi costs, 0)
- Cash left = initial cash invested − cash returned
- Annual cash flow = (rent × (1 − vacancy%) − operating costs − debt service) × 12
- CoC = annual cash flow ÷ cash left × 100 when cash left > 0
Important assumptions
- Total project cost equals purchase, rehab, acquisition closing, holding, and financing costs.
- Initial cash invested is total project cost minus initial loan balance, floored at zero.
- Refinance loan amount equals appraised value × refinance LTV rate.
- Cash returned equals refinance loan amount minus initial loan payoff and refinance closing costs, floored at zero.
- Cash-on-cash return is calculated only when cash left in the deal is positive. Otherwise it shows N/A to avoid a misleading denominator.
- Approval, valuation, lending terms, rents, and refinance timing are not guaranteed. Results are pre-tax educational estimates, not legal, tax, lending, appraisal, or investment advice.
Sources & review
Know what this estimate is built on
This calculator is intentionally platform-agnostic, so it does not attach a platform fee URL.
Official references
No single official fee page is attached here. The model keeps these inputs editable so you can use the terms that apply to your situation.
Use the current terms
This model uses editable planning assumptions. Confirm tax, payment, financing, or operating terms with the relevant provider, official authority, or adviser for your situation.
Defaults are editable estimates. Match them to your current account, provider statement, official authority, lender, or adviser before making a pricing or investment decision.
Calculator model reviewed: August 9, 2026. This date covers the page and calculator guidance, not a guarantee that every live platform rate or term was re-audited on that date.
Worked example
A stabilized BRRRR scenario
$150,000 purchase, $35,000 rehab, $4,000 closing, $6,000 holding, $7,000 financing, $120,000 initial loan, $250,000 appraised value, 75% LTV, 2% refinance costs, $2,200 rent, 5% vacancy, $750 expenses, and $1,200 new debt service.
FAQ
Common questions
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