Free Tool

BRRRR Calculator: Model Your Cash-Out Refinance

Buy. Rehab. Rent. Refinance. Repeat. Model your equity recapture, cash flow, and cash-on-cash return — and see how much capital you can recycle into the next deal.

Free Calculator
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Refinance Loan Amount
$180,000
ARV × 75%
Cash Recaptured
$20,000
Refi loan − total invested
Cash Left in Deal
$0
What stays in the property
Monthly Cash Flow
$565
Rent − expenses − mortgage (@6.5%)
Annual Cash-on-Cash Return
0.0%
Annual cash flow / cash left in deal

What is the BRRRR Method?

Buy a distressed property below market. Rehab it. Rent it out. Refinance at the higher ARV to pull cash back out. Repeat with the recovered capital. It's the standard playbook for building a rental portfolio with limited starting capital.

How the Cash-Out Refinance Works

After rehab, the property appraises at ARV — not the original purchase price. A cash-out refinance at 70-75% LTV lets you pull out most or all of your initial investment (purchase + rehab), leaving little or no money in the deal while still owning the rental and collecting cash flow.

BRRRR vs. Fix and Flip

Fix and flip = sell immediately, capture profit as cash. BRRRR = keep the asset, recycle capital into the next deal. BRRRR builds long-term wealth through cash flow and appreciation; flip builds immediate cash. Most operators do both — flips fund acquisitions, BRRRRs build the portfolio.

What is BRRRR? →ARV Calculator →MAO Calculator →
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Find Your Next BRRRR Deal

Drop an address. Rinsed pulls comps, estimates ARV and rehab, and tells you whether the numbers work — for BRRRR, flip, or wholesale.

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