BRRRR Calculator
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Total Monthly Mortgage (P&I) Expense: -
Total Monthly Fixed Expense:
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| Purchase Closing Costs | $0.00 |
| Repair/Improvement Costs | $0.00 |
| Total Project Cost | $0.00 |
| After Repair Value | $0.00 |
Acquisition
| Down Payment | $0.00 |
| Loan Amount | $0.00 |
| Loan Points/Fees | $0.00 |
| Loan Interest Rate | - |
| Monthly Interest | $0.00 |
| Total Cash Needed At Purchase | $0.00 |
Refinance
| Loan Amount | $0.00 |
| Loan Fees | $0.00 |
| Amortized Over | - |
| Loan Interest Rate | - |
| Monthly P&I | $0.00 |
| Total Cash Invested | $0.00 |
Financial Info
Analysis Over Time
Expense Increase
Income Increase
Property Value Increase
| Year 1 | Year 2 | Year 3 | Year 5 | Year 10 | Year 20 | Year 30 |
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* Property value minus net cash expenditures and sales costs
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This calculator is based on REsimpli research on a baseline of historical data and general nationwide info and does not place, in any countries investment advice. REsimpli recommends that you seek the advice of a real estate professional before making any type of investment. The results presented may not reflect the actual return of your own investment. REsimpli is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. REsimpli is not responsible for any human or mechanical errors or omissions. Details from various third-party sources, and REsimpli is not responsible or liable for the accuracy, completeness, or reliability of the property details. You are responsible for confirming the property details are accurate, complete, and suitable for your use case.
What Is a BRRRR Calculator?
A BRRRR calculator helps real estate investors analyze deals using the Buy, Rehab, Rent, Refinance, Repeat strategy. Instead of looking at the property from only one angle, it lets you break the deal into stages so you can estimate total project cost, refinance potential, monthly cash flow, and returns over time.
How to Use This BRRRR Calculator
Start by entering the property information and purchase details, including your expected purchase price, ARV, closing costs, and repair budget. Then add your financing assumptions, refinance details, rental income, and monthly expenses. Once the numbers are filled in, the calculator shows you how the deal performs during rehab, after refinance, and as a long-term rental.
Why Investors Use a BRRRR Calculator
The BRRRR model can create strong long-term returns, but it also involves more variables than a standard rental analysis. This calculator helps investors understand how refinance timing, rehab costs, rent projections, and expenses affect the overall deal so they can spot weak assumptions early and make better decisions.
THE BRRRR METHOD
1. Buy
2. Rehab
3. Rent
4. Refinance
5. Repeat
How Do You Analyze BRRRR Real Estate Returns
Vacancy-Adjusted Income Formula: Effective Gross Income (EGI) = Gross Potential Rent + Other Income – Vacancy Loss – Credit Loss
Core BRRRR Investment Formulas
Total Acquisition Cost: Purchase Price + Closing Costs + Financing Costs at Purchase
- Includes down payment, application fees, loan fees, and other upfront financing costs
Rehab Cost
- Total of labor, materials, permits, dumpsters, contingency, and renovation costs
After Repair Value (ARV): Estimated saleable value of the property after the rehab
- Carrying costs = loan interest, property taxes, insurance, utilities, HOA, reserves, etc.
Total Project Cost: Acquisition Cost + Rehab Cost + Carrying Costs
Loan-to-Cost (LTC): Loan Amount + Total Project Cost
- Important at refinance
Effective Gross Income (EGI): Gross Potential Rent + Other Income – Vacancy Loss – Credit Loss
- Other income can include pet fees, parking, laundromat, APUs, etc.
Net Operating Income (NOI): Effective Gross Income – Operating Expenses
- Taxes, insurance, repairs, maintenance, management, HOA, utilities, reserves, etc.
Cash Flow: NOI – Annual Debt Service
- Debt service is annual mortgage payment (principal + interest)
Cash Invested Left in the Deal: Total Cash In – Cash Out at Refinance
- Refinance cash back includes new loan amount minus old balance and refi costs
BRRRR Formula Example
For example, we are going to use a fix and flip property with:
Purchase Price = $120,000
• Rehab Costs = $30,000
• ARV = $200,000
• Total Project Cost = $120,000 + $30 = $160,000
• Cash Invested Left In Deal = $160,000 + $115,000 = $45,000
• $150,000 Refinance Loan @ 75% LTV, $115,000
Total Project Cost = $120,000 + $30,000 + $10,000 = $160,000
ash Invested Left in Deal = $160,000 – $115,000 = $45,000
Cash-on-Cash Return = $11,000 ÷ $45,000 × 100 = 24.4%
These formulas let you analyze all kinds of key BRRRR metrics over time You can adjust variables such as purchase price, ARV, LTV, refinance amount, income, expenses and reserves to project returns
• Total Project Cost
• Refinance Cash Out
• After Repair Value
• Refinance Cash Out
• Refinance Loan
• Cash Invested Left in