BRRRR Calculator - cash left in deal and cash-on-cash return

Model the refinance, not just the purchase

The BRRRR method works only when the stabilized rental value, refinance terms and operating cash flow all line up. A cheap purchase price is not enough. This free BRRRR calculator starts with the money you put into the deal: purchase price, rehab budget and closing or upfront costs. It then estimates refinance proceeds from the post-rehab appraised value and lender loan-to-value. The difference is the cash left in the deal, which is the number that determines how much capital stays tied up after the refinance.

The calculator also checks monthly cash flow after operating expenses and new debt service. That matters because a BRRRR can return most of your cash and still be a weak rental if vacancy, repairs, management, taxes, insurance or the refinance payment are understated. FlipIQ's principle is to avoid inflated returns, so the calculator does not pretend a zero-cash-left deal has a meaningful percentage return. It labels that case clearly and leaves the investor to verify lender rules and cash-out limits.

Conservative BRRRR underwriting

Use the ARV Calculator as a starting point for appraised value, but remember that rental refinances depend on lender guidelines and the appraiser's view of the stabilized property. Use the Rehab Cost Estimator to pressure-test the improvement budget and the Holding Cost Calculator if the property will sit vacant during rehab or lease-up. For flip comparisons, run the same property through the Flip Profit Calculator.