BRRRR Calculator
It works only if the refinance releases everything.
Work out BRRRR. It works only if the refinance releases everything. Free, with no account and nothing to install.
Capital left in the deal
All recycled
100% of 135,000 recovered · 23.11 monthly cash flow
The whole point of the strategy is recycling the deposit so the same capital can buy the next property. Whether it works comes down to one number: whether the refinance releases everything that went in. The constraint is the lender's loan-to-value ceiling against the after-repair value. At 75% LTV the deal only fully recycles if total costs stay below 75% of the finished valuation — which is why the refurbishment budget and the valuation are the two things worth being conservative about. "Infinite return" when nothing is left in is a real arithmetic result and a misleading way to think. The capital is not free — it is committed to the next deal, and the risk has not gone anywhere.
How the BRRRR Calculator works
Buy, refurbish, rent, refinance — with the number that decides whether it repeats: how much capital the refinance leaves stranded. At 75% loan-to-value the deal only fully recycles if total costs stay below 75% of the finished valuation.
Also known as: buy refurbish rent refinance · how much money will i get back out · brrrr deal analysis · refinance ltv on a refurb
Not financial advice. This calculator is for planning and illustration, not financial advice. Real products carry fees, taxes, and terms it does not model. Confirm figures with your lender or a qualified adviser before committing.
Frequently asked questions
What is the BRRRR strategy?
Buy below market, refurbish to add value, rent it, then refinance against the higher valuation to pull the original capital back out and repeat. The last step is what makes it a strategy rather than a purchase.
What decides whether it works?
Whether the refinance releases everything invested. At 75% LTV, purchase plus refurbishment plus costs must stay below 75% of the after-repair value — otherwise capital is stranded and the cycle slows.
What is "infinite return"?
The arithmetic result when nothing is left in the deal — a return on zero capital. It is real and misleading: the capital is committed to the next property, and the risk has not gone anywhere.
What usually goes wrong?
The refurbishment costs more than budgeted and the valuation comes in below expectation. Both push in the same direction, which is why being conservative on those two numbers matters more than anything else here.
Will lenders refinance immediately?
Often not. Many impose a waiting period — commonly six months — before lending against an improved valuation rather than the purchase price. That holding period has a cost worth budgeting for.
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