BRRRR Calculator: Buy, Rehab, Rent, Refinance, Repeat investment analysis. BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It's an investment strategy to build a rental portfolio by recycling capital through refinancing.
Analyze your Buy-Rehab-Rent-Refinance-Repeat investment strategy. Calculate cash recycling, equity capture, and returns to scale your rental portfolio efficiently.
BRRRR Strategy
The goal is to recycle 100% of your cash to repeat the process infinitely. Aim for properties where ARV × LTV > Total Cash Invested.
Purchase a distressed property below market value, then renovate it to increase value and make it rent-ready.
Find quality tenants and establish stable rental income to qualify for refinancing.
Cash-out refinance at the new ARV to recover your investment, then use those funds for your next property.
The BRRRR strategy has helped countless investors build substantial rental portfolios using the same initial capital over and over. Unlike traditional buy-and-hold investing where capital gets locked in each property, BRRRR allows you to recycle your investment and accelerate portfolio growth. Our free BRRRR calculator helps you analyze potential deals, calculate cash recycling, and project returns before committing to a property.
A successful BRRRR deal starts with buying right. The 70% rule suggests paying no more than 70% of ARV minus repair costs. But the numbers must work throughout: during the rehab phase (holding costs), after refinancing (monthly cash flow), and in terms of cash left in the deal (return on equity). This calculator runs all the numbers so you can evaluate deals quickly and make confident investment decisions.
The true power of BRRRR emerges over time. Each completed deal frees capital for the next, creating a compounding effect on your portfolio growth. Many investors who master this strategy acquire 5-10+ properties in their first few years. But success requires discipline: stick to your numbers, maintain cash reserves, and never force a deal that doesn't pencil out.
Financial calculators for every real estate scenario
Estimate buyer and seller closing costs by state
Calculate monthly payments, interest, and amortization
Compare the costs of buying vs renting over time
Find how much house you can afford using the 28/36 rule
Compare refinance options and calculate break-even point
Year-by-year payments on a temporary buydown, what it costs to fund, and how it compares with a permanent buydown
Two quotes side by side: the monthly saving from a lower rate and the month the points pay for themselves
Price cut vs seller credit vs rate buydown: cash to close, monthly payment and seller net for each
Calculate private mortgage insurance costs and removal date
Calculate real estate agent commissions, splits, and net proceeds
Calculate net proceeds from selling with state transfer taxes
Calculate return on investment for rental properties
Key facts
Cash left in the deal = purchase + rehab + holding and closing costs − refinance loan (usually 70% to 75% of the after-repair value). Cash-on-cash return = annual cash flow after the new loan ÷ cash left in.
Almost all the cash comes back out, and the rental’s cash flow is earned on $3,000 of remaining investment; the risk is that the appraisal or the rent comes in lower than planned.
Buy, rehab, rent, refinance, repeat. An investor buys a property below its finished value, renovates it, rents it, then refinances at the higher appraised value to pull most of the cash back out, and uses that cash for the next purchase. The strategy depends on the after-repair appraisal and a seasoning period the lender requires.
Most lenders require a seasoning period of six months of ownership before a cash-out refinance based on the new appraised value; some allow it sooner with a delayed-financing exception if the purchase was cash. Rates and the maximum loan-to-value, commonly 70% to 75% on investment property, are set at the refinance.
Last reviewed September 8, 2026 by the EstatePass editorial team. Formulas and program limits are checked against the published rules; figures on this page are arithmetic, not market statistics.
Agent Workspace
The workspace turns the figures you trust into a market update film, a seller net sheet in the CMA, or a buyer education video, from the same numbers. Free to start; one Pro covers every tool and every EstatePass exam channel.
Explore specific scenarios and get tailored tips, best practices, and examples.