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BRRRR • Buy • Rehab • Rent • Refi • Repeat

BRRRR Analyzer

Paste the listing link for reference (we do not auto-pull data). Enter your assumptions below to get a verdict.

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Inputs

Keep it conservative. BRRRR deals die on optimism.

Rental & Expenses

Refinance Assumptions

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Results

BRRRR snapshot + verdict based on conservative rules.

Total Project Cost (All-In)
$0
Purchase + rehab + closing + holding costs
Refi Loan Amount (ARV × LTV)
$0
Estimated takeout loan based on your ARV and LTV
Cash Left In Deal
$0
All-in cost minus refi loan (if positive)
Monthly Payment (P&I)
$0
Estimated payment on refi loan
NOI / Year
$0
Effective income minus operating expenses (before debt)
Monthly Cash Flow (After Debt)
$0
NOI/12 minus principal & interest
DSCR
0.00
NOI ÷ annual debt service
Cash-on-Cash (Year 1)
0.00%
Annual cash flow ÷ cash left in deal (or all-in if cash-out)
BRRRR Verdict
—
Enter numbers to see verdict.

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
▼
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.
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 P&I
Principal and Interest — your monthly mortgage payment on the refi loan. Does not include taxes and insurance (those are separate operating expenses).
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.