Calculate BRRRR

Estimate cash remaining in a buy-refurbish-rent-refinance project after the new mortgage pays out.

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ToolBRRRR Calculator
Input
Output
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How it works

Purchase, refurbishment, and acquisition costs form cash invested, while after-repair value multiplied by refinance LTV sets the new loan. Fees reduce released cash, which is subtracted from original investment; optional cost fields default to 0 but valuation and LTV are required.

Formula
cash left in = total cash invested − (after-repair value × LTV − refinance fees)
  • Negative cash left in means the refinance released more than the original cash invested.
  • Equity after refinance is after-repair value minus the new loan.

Worked example

A 100,000 purchase refurbished to a 180,000 value
Refinanced at 75% loan-to-value once the work is done
Input
											Purchase price: 100000
Refurbishment cost: 30000
Purchase costs: 5000
After repair value: 180000
Refinance ltv percent: 75
Refinance fees: 1000
Output
												Total cash invested: 135000
Refinance loan amount: 135000
Cash out: 134000
Cash left in: 1000
Cash left in percent: 0.74
Equity after refinance: 45000

When to use this

BRRRR acquisition appraisals, bridge-to-mortgage plans, and post-refurbishment valuations test how much initial capital a refinance can recycle.

Edge cases

  • If refinance fees exceed the new loan, cash out is negative and cash left in exceeds original investment.
  • If cash released exceeds cash invested, cash left in and its percentage are negative, showing excess capital extracted.
  • The model excludes bridge interest, lender seasoning periods, rent, tax, and mortgage affordability even though they can prevent the modeled refinance.