REDOSFree BRRRR Calculator
Buy, Rehab, Rent, Refinance, Repeat — run every number in 60 seconds, and find out how much cash you'll leave in the deal. Free. No login.
Your deal
The refinance
The rental
🎉 All your cash back out — plus $22,188 in your pocket. Infinite return.
Solid deal — worth pursuing.
Cash-on-cash 30.0% — strong for a rental.
The BRRRR math
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How the BRRRR method works
BRRRR is how investors recycle one pile of cash into many properties. Instead of leaving a down payment locked in every house you buy, you force the value up, refinance against the new value, and pull your money back out to do it again.
- 1
Buy
Purchase below market value — usually something that needs work, so there's room to force appreciation.
- 2
Rehab
Renovate to raise the appraised value. Your rehab budget is an investment in the ARV, not just a cost.
- 3
Rent
Get a tenant in place. Lenders want to see the property performing before they refinance it.
- 4
Refinance
A new loan based on the after-repair value — typically 70–80% LTV — which returns your capital.
- 5
Repeat
Take the cash you pulled out and buy the next one. Same dollars, more doors.
The number that decides whether a BRRRR actually worked is cash left in the deal. If the refinance returns everything you put in, your cash-on-cash return is infinite — you own a cash-flowing asset with none of your own money in it. The calculator above shows that number the moment you type, along with the trade-off nobody warns beginners about: pulling out every dollar means a bigger loan, and a bigger loan can wipe out your cash flow.
Frequently asked questions
What is the BRRRR method?
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You buy a property below market value, renovate it to raise the appraised value, rent it out, then refinance based on the new after-repair value (ARV) to pull your original cash back out — and use that cash to buy the next one.
How do you calculate cash left in a BRRRR deal?
Add everything you put in (purchase price + rehab + closing costs), then subtract the net proceeds of the refinance (the new loan amount minus points and refinance closing costs). Whatever is left is the cash still stuck in the deal. If the refinance returns more than you put in, you have zero cash left in — an infinite cash-on-cash return.
What is a good ARV for a BRRRR?
Most BRRRR investors work backwards from the refinance. If a lender will refinance at 75% of ARV, you generally want your total all-in cost (purchase + rehab + closing) to be at or below that 75% so the refinance can return all of your capital.
Why is my BRRRR cash flow negative after refinancing?
Because pulling every dollar out means a bigger loan, and a bigger loan means a bigger payment. It is a real trade-off: maximum cash out often means minimum cash flow. Lowering your refinance LTV leaves some money in the deal but keeps it cash-flowing. This calculator shows both sides instantly so you can pick your balance.
Is this BRRRR calculator free?
Yes — it is completely free with no login and no credit card. Enter your numbers and get your results instantly.