AssetCalcs.

Free BRRRR Calculator

The ultimate unlimited tool to model your Buy, Rehab, Rent, Refinance, Repeat strategy. No paywalls, no spreadsheets.

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Executive Summary

What is BRRRR? BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It is a real estate investment strategy where an investor forces appreciation through renovations, rents the property, and uses a cash-out refinance to recover their initial capital.

  • Buy: Purchase a distressed property under market value (often using hard money).
  • Rehab: Renovate to increase the After Repair Value (ARV).
  • Refinance: Use a DSCR or conventional loan to pull out equity based on the new ARV.

BRRRR Deal Analysis

1. BUYPurchase Price ($)
Down Payment (%)
Purchase Closing Costs ($)
2. REHABRepair Costs ($)
Holding Time (Months)
Monthly Holding Costs ($)
Total Cash Invested (Out of Pocket)$55,400
3. RENTGross Monthly Rent ($)
Monthly Operating Expenses ($)
Net Operating Income (Monthly)$1,000
4. REFINANCEAfter Repair Value - ARV ($)
Refinance LTV (%)
Refinance Closing Costs ($)
Refinance Interest Rate (%)
New Loan Amount$135,000
Total Cash Left In Deal$0
5. REPEATNew Mortgage Payment (Monthly)-$898
Total Monthly Cash Flow$102
Cash-on-Cash ReturnInfinite! 🚀

BRRRR Spreadsheet Template

Download the free BRRRR calculator spreadsheet template for Excel or Google Sheets.

Download Excel Template↓

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Targeted BRRRR Calculators

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Next Steps for BRRRR Investors

Hard Money Calculator →

Deep dive into your exact holding costs, origination points, and double-close fees for the initial rehab phase.

Section 179 Calculator →

Buying a heavy work truck (like an F-150) to haul your rehab materials? See how much you can write off.

Ditch the BRRRR Calculator Excel Spreadsheet

If you search the internet for a BRRRR calculator, you will find dozens of sites offering a "free download" for an Excel template or a Google Sheets link. While spreadsheets are great for sitting at your desktop computer at home, they are terrible for active real estate investors.

When you are walking a distressed property with your contractor, you need to run numbers instantly on your smartphone. Pinching and zooming on an Excel spreadsheet, trying not to accidentally overwrite a fragile math formula, is incredibly frustrating. Our interactive web-based BRRRR calculator is 100% mobile responsive. It never breaks, it never requires an email opt-in to download, and you can stress-test your After Repair Value (ARV) with a simple slider.

The Ultimate Unlimited Alternative

Some of the biggest real estate investing forums (like BiggerPockets) offer incredible calculators, but they often restrict you to only 5 free uses before forcing you into a costly "Pro" subscription paywall.

We believe deal analysis should be frictionless. AssetCalcs provides this enterprise-grade BRRRR calculator absolutely free, with unlimited usage. Run 50 deals a day if you want to!

Factoring in Hard Money Loan Costs

One of the biggest mistakes novice BRRRR investors make is forgetting to calculate the holding costs of their bridge debt. If you are buying a distressed property, traditional banks won't lend to you; you must use a Hard Money Lender.

Hard money loans are expensive. They often charge 10% to 14% interest-only payments and 2 to 3 "points" upfront. If your rehab takes 6 months, those monthly interest payments will aggressively eat into your "Cash Left in Deal" metric. Our calculator specifically includes an entire section dedicated to underwriting these exact rehab loan holding costs.

Educational Guide

Mastering the BRRRR Method: Deal Underwriting & Step-by-Step Analysis

Learn how to underwrite BRRRR deals like a pro. Read our complete guide on the 70% rule, calculating cash left in the deal, and managing the refinance exit step.

Read Full Guide →

Frequently Asked Questions

What does BRRRR stand for?

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It is a real estate investment strategy where you purchase a distressed property, renovate it to force appreciation, rent it out to generate cash flow, and then perform a cash-out refinance to pull your initial capital back out, allowing you to repeat the process.

How much money do I need to start the BRRRR method?

While it depends heavily on your local market, investors typically need between $30,000 to $100,000+ to start. This covers the down payment, renovation costs, closing costs, and holding expenses until the property is rented and successfully refinanced.

What is the 70% rule in real estate?

The 70% rule is a guideline that suggests an investor should pay no more than 70% of a property's After-Repair Value (ARV) minus the estimated cost of repairs. This ensures enough built-in equity to complete the refinance phase of the BRRRR method and still make a profit.

How long do I have to wait to refinance a BRRRR property?

Many conventional lenders enforce a "seasoning period" before allowing a cash-out refinance based on the newly appraised ARV. This period is typically 6 to 12 months. However, some specialized commercial or portfolio lenders may have shorter or no seasoning requirements.