Free BRRRR Calculator

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Buy, Rehab, Rent, Refinance, Repeat, the whole strategy lives or dies on one question: how much of your cash comes back out at the refinance. This calculator models the full cycle, shows the capital you leave in the deal, and what the property pays you after the refi. No account and no use limits.

Buy and rehab

Purchase price ($)

Rehab budget ($)

Holding costs until refi ($)

Closing costs at purchase ($)

Refinance

After-repair value / ARV ($)

Refinance LTV (%)

Refinance rate (%)

Loan term (years)

Refinance closing costs ($)

Rent it

Monthly rent ($)

Operating expenses (% of rent: vacancy, maintenance, management, CapEx)

Monthly taxes + insurance ($)

The verdict

Total cash into the project—

Purchase + rehab vs ARV (the 70% rule)—

New loan at refinance—

Cash returned at refinance—

Capital left in the deal—

Equity after refinance—

New monthly payment (P&I)—

Monthly cash flow after refi—

Cash-on-cash return on what stays in—

Estimates only. ARV is the number to be most skeptical of, verify it with sold comps, not listing prices. Seasoning rules (how long you must own before a cash-out refi) vary by lender, commonly 6–12 months.

BRRRR: how much of your cash comes back out

PurchaseRehabClosing & holdingPulled back outLeft in the deal

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<iframe src="https://vantovault.com/tools/brrrr-calculator/widget/" style="width:100%;min-height:1400px;border:0" loading="lazy" title="Free BRRRR Calculator by Van to Vault"></iframe><p>Calculator by <a href="https://vantovault.com/tools/brrrr-calculator/">Van to Vault</a></p>

A BRRRR only works if the rental math works after the refinance, so pressure-test the rent side with the House Hack Calculator if you plan to live in one unit, and run the Long-Term Projection to see what holding it a decade does. Not sure how much cash you need to get started at all: the answer is in how much money you need to start investing in real estate.

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