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BRRRR calculator — buy, rehab, rent, refinance, with the math showing.

Model the whole sequence: a hard-money purchase and rehab, then a refinance into a long-term DSCR loan at the after-repair value. See how much cash the refi returns, what stays in the deal, and whether the property still cash-flows on the new loan.

Your numbers
Cash back at refi
$15,150
returned when the new loan closes
Cash left in deal
$0
fully cashed out
Post-refi cash flow
$142.33
per month on the new loan
DSCR (new loan)
1.14
refi lenders usually want ≥ 1.1–1.2
The refinance event
New DSCR loan (ARV × LTV)$150,000
− Refi closing costs−$4,500
− Bridge loan payoff (hard money)−$90,000
− Your cash deployed pre-refi−$40,350
ResultCash back $15,150
Post-refi cash flow
NOI (rented, stabilized)$14,294
− New debt service ($1,048.82 × 12)−$12,586
Result$142.33 / month
Your cash before the refi
Hard-money down (cost − loan)$30,000
+ Purchase closing costs$3,000
+ Holding costs (interest, points, carrying)$7,350
Result$40,350 deployed

Every figure above is computed by the same audited engine that powers BuyBox — audited against industry-standard real-estate math. Estimates, not investment advice.

This is one metric. BuyBox runs the whole underwrite — verdict in about 30 seconds.

How the BRRRR math actually works

BRRRR stands for buy, rehab, rent, refinance, repeat. The financial event that makes it work is the refinance: a long-term lender sizes a new loan against the after-repair value (here at your chosen LTV), that loan pays off the short-term hard money that funded the purchase and rehab, and whatever remains — after refinance costs — comes back to you. If the ARV is strong enough, you recover most or all of your cash while keeping the property; the classic failure mode is an optimistic ARV that leaves you with a thin refi and all your cash stuck.

Two things this page won't do: it doesn't estimate your ARV (that comes from comps — here's how to calculate ARV honestly), and it doesn't model a seasoning period or appraisal shortfall. The mechanics behind every figure are in BRRRR basics.

Rental property calculatorDSCR calculatorBRRRR basicsHow to calculate ARV