GlenCalc

BRRRR calculator

BRRRR means buying a property below its potential, renovating it, renting it out, then refinancing on the higher value to take your cash back out for the next deal.

Closing costs, plus loan payments, tax and insurance until the refinance.

Tax, insurance, repairs, management and vacancy. Leave out the mortgage.

Your answer

Cash left in the deal$7,000.00
Monthly cash flow$102.66
Total cost before refinance$198,000.00
Refinance loan$195,000.00
Monthly mortgage payment$1,297.34
Equity after refinance$65,000.00
Cash-on-cash return17.6 %
  • Lenders set the loan to value and may require a waiting period before a cash-out refinance. The appraisal decides the value.

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How we worked it out

Updated as you change the numbers.

  1. All-in cost: $198,000.00.
  2. Refinance: 75% of $260,000.00 = $195,000.00.
  3. Cash left: $198,000.00 + $4,000.00 − $195,000.00 = $7,000.00.
  4. Cash flow: rent − costs − $1,297.34 = $102.66 a month.

Method and assumptions

Cash left in the deal is the purchase, renovation and other costs plus refinance costs, less the new loan. The refinance payment uses the standard fixed-rate formula. Cash-on-cash return is yearly cash flow ÷ cash left in the deal.

Questions

How much cash stays in a BRRRR deal?

In the default example, $7,000: $198,000 of costs plus $4,000 of refinance costs, less a $195,000 loan at 75% of the $260,000 value.

Sources

Method and figures checked on October 31, 2026. Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.

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