The BRRRR strategy lives or dies on how much cash you pull back out at refinance. Enter your purchase, rehab, ARV, and refinance terms to see your cash left in the deal, the new loan and payment, and cash-on-cash return on whatever's left in.
Settings
Acquisition & rehab
$
$
$
Refinance
$
%
%
yrs
Operating
$
$
Cash left in deal
$5,000
after cash-out refinance
Monthly cash flow
$151
Cash-on-cash
36.28%
on cash left in (— if all cash recovered)
Capital recovered
96.77%
The numbers
Total invested (purchase + rehab + costs)
$155,000
Refinance loan amount
$150,000
Refinance payment (monthly P&I)
$1,049
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Prices in
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How it's calculated
Total invested = purchase + rehab + closing/holding costs.
Refinance loan = ARV × refinance LTV.
Cash left in = total invested − refinance loan (negative means you pulled out more than you put in).
After you refinance, the new loan returns some of your invested cash. Whatever isn't returned is 'left in' the deal — BRRRR investors try to drive this toward zero (an 'infinite return').
Does it work for Canadian refinances?
Yes — switch to Canada and the refinance payment uses semi-annual compounding and CAD.