Real Estate Investor Tool
Model purchase cash, rehab, after-repair value, refinance proceeds, cash left in the deal and rental cash flow after refinancing.
BRRRR investment analysis
Model Buy, Rehab, Rent, Refinance and Repeat with cash invested, refinance proceeds, cash left in the deal and post-refinance cash flow.
Cash left in deal after refinance
$19,000
Post-refinance cash-on-cash: 18.81% · DSCR: 1.21
Total cash invested
$109,000
Refinance loan
$225,000
Cash returned
$90,000
Monthly cash flow
$298
The model assumes the refinance can be obtained at the entered ARV, LTV and rate. Lender seasoning, appraisal, rehab overruns and financing rules can materially change the result.
The key constraint
A strong renovation return on paper does not guarantee refinance proceeds. Appraisal, lender LTV, seasoning, borrower qualification and rate all affect the actual refinance.
After refinance
The calculator estimates NOI, refinance debt service, monthly cash flow, cash-on-cash return and DSCR so the strategy is not judged only by the amount of cash pulled out.
BRRRR stands for Buy, Rehab, Rent, Refinance and Repeat. The strategy aims to improve a property, stabilize rent, refinance based on the improved value and recover some invested cash.
This calculator treats cash left in the deal as initial cash invested minus refinance proceeds remaining after the original acquisition loan is paid off.
ARV is after-repair value: the estimated market value after the planned rehab is complete. A lender may use its own appraisal, so the entered ARV is not guaranteed.
Debt-service coverage ratio compares net operating income with annual debt service. It is one way to see how much operating income covers the refinance payment.
