CDEALANALYZER

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Acquisition

Rehab

Hold & Rent

Results

Refinance

Verdict

BRRRR • Buy • Rehab • Rent • Refi • Repeat

BRRRR Analyzer

Most investors leave money in the deal. BRRRR investors don't.Model your full cycle — purchase, rehab, refi, and cash flow — before you commit to a single number.

Listing Link (Reference Only)

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Stage 1 — Acquisition & Financing

Acquisition & Financing

What you're paying to get in — purchase price, financing terms, and what it costs to hold while you rehab

CDEAL

Let's start with what it costs to get in the door.

Property Address

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Purchase Price ($)

Financing Type

Down Payment (%)

Down Payment ($)

Use HELOC as Down Payment Financing

Purchase Closing Costs ($) Using estimate

Using estimate (2.5% of purchase price). Starter estimate only. Actual closing costs vary by lender, location, and deal structure.

Closing Cost Treatment

Acquisition Interest Rate (%)

Acquisition Loan Term (years)

Property Taxes / Month ($) Using estimate

Starter estimate only. Taxes vary by town and assessment. If you know the real annual tax bill, replace this number.

Insurance / Month ($) Using estimate

Starter estimate only. Insurance depends on property type, age, condition, location, and coverage. Replace with a quote if available.

Hold Time (Months)

Other Holding Costs / Month ($)

Total Purchase Basis

Purchase price + closing costs

Acquisition Loan Amount

Purchase price − down payment (+ closing costs if financed)

Monthly Acquisition P&I

Principal & interest on acquisition/bridge loan

Total Monthly Hold Burden

Acq P&I + taxes + insurance + other holding costs

Total Holding Cost

Total monthly hold burden × hold months

PITI Breakdown

Principal —

Interest —

Taxes —

Insurance —

Stage 2 — Rehab Budget

Rehab Budget

Every dollar of rehab work, line by line — because surprises here kill deals

CDEAL

Now the work — let's see what the rehab looks like.

Kitchen ($)

Bathrooms ($)

Electrical / Plumbing / HVAC ($)

Flooring / Paint ($)

Exterior / Roofing ($)

Misc / Other ($)

Contingency (%)

Contingency Amount

Total Rehab (Before Contingency)

Final Rehab Total

Rehab Breakdown

Kitchen —

Bathrooms —

Systems —

Flooring / Paint —

Exterior —

Misc / Other —

Contingency —

Stage 3 — Holding & Operations

Holding & Operations

What the property pays you once stabilized — rent, vacancy, and every operating expense

CDEAL

Now the hold — let's see what the property pays you.

Gross Monthly Rent ($)

Vacancy (%)

Vacancy ($/mo): $0

Owner Utilities / Month ($)

HOA / Month ($)

Management $ %

Owner-Managed

Repairs / Maintenance $ %

CapEx Reserve $ %

Operating Snapshot

Monthly income & expense preview — matches Stage 4 Monthly NOI.

Gross Monthly Rent

—

Vacancy Loss ($/mo)

—

Total Monthly Expenses

—

Total Monthly NOI

—

Stage 4 — Results & Analysis

Results & BRRRR Analysis

The numbers that tell you if this deal actually works before you refi

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CDEAL

Here's what the deal actually is — no fluff, just the numbers.

Cash Flow Snapshot

Core monthly and annual cash flow outputs.

Monthly NOI

Annual NOI

Monthly PITI

Annual PITI

Monthly Cash Flow

Annual Cash Flow

Underwriting Metrics

Key performance metrics for this strategy.

Post-Refi DSCR

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Post-refi NOI ÷ refi P&I

Cash-on-Cash Return

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Annual Cash Flow ÷ Cash Invested

Monthly Snapshot

Monthly OpEx —

Monthly PITI —

Monthly Cash Flow —

Stage 5 — Refinance

Refinance Assumptions

Where your capital comes back — ARV, LTV, and your projected cash position after refinance

CDEAL

Now the refi — where the capital comes back. This is what makes a BRRRR a BRRRR.

ARV / Appraised Value After Rehab ($)

Refi LTV (%)

Refi Interest Rate (%)

Term (Years)

Gross Refi Loan (ARV × LTV)

Estimated takeout loan before refi closing costs

Refinance Closing Costs ($) Using estimate

Closing Cost Treatment

Post-Refi Property Taxes / Month ($) Using estimate

Starter estimate only. Based on ARV when entered, otherwise purchase price. Replace with actual tax assessment.

Post-Refi Insurance / Month ($) Using estimate

Starter estimate only. Insurance depends on property type, age, condition, location, and coverage. Replace with a quote if available.

Monthly NOI

Gross rent minus operating expenses (no debt)

Annual NOI

Monthly NOI × 12

Refi PITI (Monthly)

Refi P&I + post-refi taxes + insurance

Refi PITI (Annual)

Monthly PITI × 12

Post-Refi Monthly Cash Flow

Monthly NOI minus Refi PITI

Annual Cash Flow

Monthly cash flow × 12

Cash Out After Refinance

—

Capital pulled out above all-in cost

Break-even After Refi

All-in cost — full capital recovery target

Cash Left In Deal

All-in cost minus net refi proceeds

Net Refi Proceeds

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Risk & Verdict

The final call — what this deal gets right, what could break it, and whether to move

STRESS TEST

Deal Stress Test

What happens to this deal when things go wrong — vacancy spikes, rates rise, expenses climb

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CDEAL

This is stress testing — the real underwriting discipline. Shock the deal with bad scenarios and see what survives. Learn more →

Baseline targets: DSCR ≥ 1.20, cash left in deal low, and positive monthly cash flow. Cash-out refi possible if cash left is negative and DSCR holds.

📚 Terms & Definitions — BRRRR

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BRRRR Strategy (Buy, Rehab, Rent, Refinance, Repeat)

A real estate investment strategy where you: Buy a property (often below market value), Rehab it to increase value, Rent it to generate income, then Refinance based on the new appraised value (ARV) to recover your capital. The goal is to recycle your initial investment while keeping the property for long-term cash flow.

ARV — After Repair Value

The appraised value of the property after rehab is complete. Your refi loan is based on this number — so conservative ARV estimates are critical.

LTV — Loan to Value

The percentage of the property's value that a lender will loan you. At 75% LTV on a $300K ARV, you get a $225K loan. The lower the LTV, the more cash stays in the deal.

Net Refi Proceeds

The capital returned from the refinance after accounting for closing cost treatment. If closing costs are paid in cash: Net Refi Proceeds = Gross Refi Loan − Closing Costs. If closing costs are financed into the loan: Net Refi Proceeds = the full Gross Refi Loan (closing costs are added to the loan balance instead, increasing P&I and PITI). This number represents how much capital is returned from the deal — not the total loan balance.

Cash Left In Deal

All-in cost minus the refi loan amount. The goal of BRRRR is to get this number as close to zero — or negative — as possible, meaning you pulled all your capital back out.

DSCR — Debt Service Coverage Ratio

NOI divided by annual debt service. A DSCR of 1.25 means the property generates 25% more income than needed to cover the mortgage. Lenders typically require 1.20 minimum.

NOI — Net Operating Income

Effective gross income minus all operating expenses, before debt service. This is the core profitability number lenders use to evaluate rental properties.

Cash-on-Cash Return

Annual cash flow divided by cash left in the deal. If you pulled all your cash out via the refi, your CoC is technically infinite — which is the BRRRR goal.

Monthly Mortgage Payment (PITI)

Principal, Interest, Taxes, and Insurance — the full monthly payment on the refi loan. Taxes and insurance are included here because they move with the mortgage, not with operating costs. DSCR is still calculated using P&I only, as lenders typically underwrite it.

Cash-Out Refi

When the refi loan amount exceeds your all-in cost — meaning you get cash back at closing. This is the ideal BRRRR outcome: you recover your capital plus extra.

Holding Costs

Monthly costs during the rehab and lease-up period before the refi closes — hard money interest, taxes, insurance, utilities. Every extra month reduces your return.

BRRRR Analyzer

Operating Snapshot

Cash Flow Snapshot

Underwriting Metrics

Don't guess on your next deal.