Buy, Rehab, Rent, Refinance, Repeat: see how much cash the refinance returns and what the property earns afterwards. Everything runs in your browser; nothing is uploaded.
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Results
Total cash invested
Refinance loan
Cash out at refi (net)
Cash left in deal
Capital recovered
New mortgage P&I
Monthly cash flow
Cash-on-cash on cash left
Equity after refi
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How the BRRRR math works
Total cash invested = purchase price + closing costs + rehab + holding costs (assuming the purchase and rehab are paid in cash or with a short-term loan you repay at refinance). At refinance the lender sizes the loan on the appraised after-repair value: loan = ARV × LTV. Net cash out = loan − refinance closing costs. Cash left in the deal = total cash invested − net cash out.
If cash left is zero or negative you recovered all your capital (an "infinite" cash-on-cash return). Then check the rent still covers the bigger mortgage: post-refi cash flow = rent × (1 − vacancy) − operating expenses − new P&I.
Common pitfalls
Optimistic ARV — use real comparable sales.
Seasoning periods: many lenders require 6–12 months of ownership before a cash-out refi at ARV.
Rate risk: a higher refi rate can turn cash flow negative.
FAQ
What does BRRRR stand for?
Buy, Rehab, Rent, Refinance, Repeat — a strategy of recycling the same capital into multiple rentals.
What is a good capital recovery percentage?
100% means you got all your cash back. Many investors are happy with 75%+ if cash flow stays positive.
What LTV do lenders use for a cash-out refinance?
Commonly 70–80% of appraised value for investment properties; check with your lender.
Is a BRRRR with cash left in the deal a bad deal?
Not necessarily — it simply behaves more like a buy-and-hold; judge it by the cash-on-cash return on the cash left in.