Free BRRRR calculator
Know how much capital comes back—and what stays in the deal.
Connect the buy, rehab, rent, refinance, and hold phases so the refinance never hides the capital you actually invested.
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BRRRRDirect answer
What this calculator does
A BRRRR calculator connects the buy, rehab, rent, refinance, and repeat phases to estimate cash returned at refinance, capital left in the property, post-refinance cash flow, equity, and long-term returns.
Worked example
Follow the assumptions into the result.
Illustrative inputs only—not a property recommendation. Replace every assumption with verified numbers before making a decision.
This example is generated from DealCooker’s calculation engine during the site build, so the displayed outputs stay tied to the product’s math.
What DealCooker models
Change an assumption. See the whole deal move.
- 01Purchase, rehab, and holding costs
- 02Refinance timing, LTV, rate, and closing costs
- 03Post-refi rent strategy and long-term exit
When the deal misses
Don’t stop at “no.”
Test the supported levers.
DealCooker can test a lower purchase price and, when applicable, a larger down payment against the active strategy’s workout logic. It does not optimize interest rates, points, loan products, or every financing term.
Calculation methodology
How DealCooker models this strategy
DealCooker combines acquisition and rehab cash with holding operations, models refinance proceeds after the selected LTV and closing costs, retires the acquisition debt, and carries the remaining property into the chosen rental strategy and exit timeline.
Read the full methodology and metric definitions ↗Questions answered
What investors ask about BRRRR
What does a BRRRR calculator show?
It should show total project cash, refinance proceeds, debt payoff, refinance costs, cash returned, cash left invested, post-refinance debt service, rental cash flow, equity, and hold-period returns.
Why can a high ARV still leave cash in the deal?
Refinance proceeds are constrained by modeled value and LTV, then reduced by debt payoff and refinance costs. Rehab overruns and holding costs also increase cash invested.
Does a BRRRR refinance remove risk?
No. Appraisal, lender terms, seasoning, interest rates, rent performance, repairs, and timing can differ from assumptions. Confirm the refinance plan before buying.
How does DealCooker compare BRRRR with a flip?
BRRRR carries the property into a rental hold after refinance; a flip models a sale after rehab. Both use the same acquisition and rehab assumptions so the paths can be compared.
Primary references
Sources behind the context
DealCooker’s formulas come from its tested calculation engine. These external references support definitions, diligence reminders, or operating context—not the worked-example assumptions. Sources checked 2026-07-24.
- Consumer Financial Protection Bureau — Mortgage costsFinancing can include more than principal and interest, including taxes, insurance, mortgage insurance, and closing costs.
- Fannie Mae Selling Guide — Rental IncomeGross rent alone is not the same as usable net rental income; vacancy and ongoing expenses matter.
- Fannie Mae Multifamily Guide — Debt Service Coverage RatioDSCR compares property net cash flow with required debt payments.
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