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.

Listing Link (Reference Only)

Acquisition

Rehab

Operations

Results

Exit

Stage 1 — Acquisition & Financing

Acquisition & Financing

Purchase price, closing costs, holding period & carry

Property Address

Open in Google Maps

Purchase Price ($)

Down Payment (%)

Down Payment ($)

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.

Rehab + Hold Time (Months)

Other Holding Costs / Month ($)

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

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Stage 2 — Rehab Budget

Rehab Budget

Line-item rehab costs with contingency

Complete Stage 1 — Acquisition & Financing to unlock.

Kitchen ($)

Bathrooms ($)

Electrical / Plumbing / HVAC ($)

Flooring / Paint ($)

Exterior / Roofing ($)

Misc / Other ($)

Contingency (%)

Contingency Amount

Total Rehab (Before Contingency)

Final Rehab Total

Stage 3 — Holding & Operations

Rental & Expenses

Stabilized rent, vacancy, and all operating costs

Complete Stage 2 — Rehab Budget to unlock.

Gross Monthly Rent ($)

Vacancy (%)

Vacancy ($/mo): $0

Owner Utilities / Month ($)

HOA / Month ($)

Management $ %

Maintenance $ %

CapEx Reserve $ %

Operating Snapshot

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

Gross Monthly Rent

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Vacancy Loss ($/mo)

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Total Monthly Expenses

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Total Monthly NOI

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Stage 4 — Results & Analysis

Results & BRRRR Analysis

Post-refi performance, cash flow, DSCR, and verdict

Complete Stage 3 — Holding & Operations to unlock.

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Cash Flow Snapshot

Core monthly and annual cash flow outputs.

Monthly NOI

Total Oper. Expenses

Orig. Mortgage (PITI)

Monthly Cash Flow

Annual NOI

Annual Cash Flow

Underwriting Metrics

Key performance metrics for this strategy.

DSCR (Acq. Loan)

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Cash-on-Cash Return

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All-In Basis

Stage 5 — Exit Strategy

Refinance Assumptions

ARV, LTV, rate, and term — projected loan amount and cash position

Complete Stage 3 — Holding & Operations to unlock.

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 ($)

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.

Refi Monthly P&I

Principal & interest on refinance loan

Refi PITI (Monthly)

Refi P&I + post-refi taxes + insurance

Monthly NOI

Gross rent minus operating expenses (no debt)

Post-Refi Monthly Cash Flow

Monthly NOI minus Refi PITI

Annual NOI

Monthly NOI × 12

Annual Cash Flow

Monthly cash flow × 12

Net Refi Proceeds

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Cash Left In Deal

All-in cost minus net refi proceeds

Risk & Verdict

Decision summary and major deal risks.

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.