BRRRR planning calculator

BRRRR refinance calculator

Estimate whether a rental refinance may return capital and still cash flow after stabilization. This is a feasibility tool, not an offer.

Built for investor screening
BRRRR planning
Rental refinance checks
Cash-out scenarios
DSCR exit planning
1
Project basis

Model the cash and cost basis going into the stabilized rental.

$350K
$
$75K
$
$20K
$
$90K
$
2
Refinance assumptions

Estimate refinance proceeds and payment after stabilization.

$525K
$
75.00%
%
8.25%
%
30
$12K
$
3
Rental income

Check whether the takeout debt may still leave cash-flow room.

$4.2K
$
$1.1K
$

What this means

Turn the numbers into a cleaner next step

A BRRRR deal needs both refinance proceeds and post-refi cash flow to work cleanly.

If cash remains trapped in the deal, review whether the value, basis, or leverage assumption is realistic.

Submit rent support, value support, stabilization plan, and seasoning details for loan officer review.

What the BRRRR result is testing

A BRRRR model should show whether the refinance can return capital while leaving enough rental income to support the new debt. The strongest scenarios create equity, return meaningful cash, and still show positive post-refinance cash flow.

This calculator is provided for informational purposes only and does not constitute a loan offer, commitment to lend, or approval. Results are estimates based on user-provided inputs and simplified assumptions.

Does refinance LTV guarantee proceeds?

No. Actual proceeds depend on appraisal, seasoning, rent, DSCR, property type, leverage, and underwriting.

Why include DSCR on a BRRRR page?

The refinance exit often depends on rental cash flow, so DSCR is a useful second check after cash returned.

Can I submit a partially completed BRRRR?

Yes. Send the current status, budget, timeline, rent support, and exit plan for review.