BRRRR Calculator

K-01

Model buy, rehab, rent, refinance, repeat. See cash left in the deal, cash-on-cash return, and 10-year equity.

Deal inputs

Purchase price

Rehab budget

Closing costs at purchase

Holding costs / month

Hard-money interest, taxes, insurance, and utilities while the property sits empty.

Rehab and holding period

After repair value (ARV)

Cash-out LTV

Most investment-property cash-out refinances cap at 70–75% of appraised value.

Interest rate

Loan term

15 yr20 yr30 yr

Refi closing costs, % of loan

Monthly rent

Property taxes / year

Insurance / year

Vacancy

Maintenance & CapEx

Property management

HOA & other / month

Appreciation / year

Rent and cost growth / year

This deal cash-flows $180N4 a month and leaves $9,600N2 of your money in it: a 22.5%N5 cash-on-cash return.

Plan K-0130-year fixed at 6.875% on a $180,000 refinance. Estimates, not advice.

All-in costN1: $185,100; purchase, rehab, closing, holding
Capital recoveredN2: 95%; $175,500 back at refinance
Mortgage, P&IN3: $1,182/mo; on $180,000
Debt coverage (DSCR)N5: 1.15; tight, under 1.2

Where the rent goes

$2,250 a month: each cost, and what is left for you

Mortgage, P&I: $1,182; 53%
Property taxes: $245; 11%
Insurance: $125; 6%
Vacancy: $113; 5%
Maintenance & CapEx: $225; 10%
Management: $180; 8%
Your cash flow: $180; 8%

The next 10 years

Equity and cumulative cash flow at 3% appreciation and 2.5% rent growth

ChartTable

Equity at refi$60K
Cash flow$41.3K
Loan paydown$26K
Appreciation$82.5K

Estimates for education only, not a loan offer or financial advice. Results depend on your inputs; confirm the appraisal, rate, and terms with a licensed lender.