REALASTAT
Free Tool

BRRRR Calculator

Cash-out at refi, capital recycled, and post-refi cash flow. Free, no signup.

Deal Inputs

$
$
mo
$
$
$
%
%
Hard money / bridge
%
Typically 70–75%
%

Assumes 7% vacancy, 8% each for management, maintenance, and CapEx, 2.5% purchase closing, 1 point, 2% refi closing. Sign up to adjust every assumption.

Results

57% RecycledCash left in: $34,307
Cash-Out at Refi$44,855
Total Cash Invested$79,162
Cash Left in Deal$34,307
Equity After Refi$72,000
Monthly Cash Flow (post-refi)$31
Cash-on-Cash (on cash left)1.1%
DSCR (post-refi)1.03
Cap Rate (on ARV)5.7%

Run the whole cycle from a screenshot.

Upload the listing and Realastat extracts the inputs, models the refi, and compares BRRRR against a straight rental or flip on the same property. 3 free analyses.

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The number that makes or breaks a BRRRR

Cash-out at refi. It equals your ARV times the lender's LTV, minus the balance on your acquisition loan and refi closing costs. Everything hangs on the ARV being real: overestimate it by 10% and your capital recycle drops from 100% to something that traps your next down payment inside this deal.

The calculator also checks what the deal looks like after the refi: cash flow at the new payment, DSCR your refi lender will underwrite against (most want 1.20 or better), and the equity you keep. A BRRRR that recycles all your capital but bleeds $200 a month is not a win.

Holding costs count here too

During the rehab months you pay the acquisition loan with no rent coming in. This calculator adds those payments to your invested capital, which is why its recycle percentage runs lower, and more honest, than most back-of-napkin BRRRR math.