Free calculator
BRRRR calculator
Buy, rehab, rent, refinance, repeat. Enter the purchase price, rehab budget, after-repair value, and refinance terms to estimate the new loan, the cash the refi returns, what stays in the deal, and the monthly cash flow after the new payment.
The short answer
Last updated: July 2026
A BRRRR deal buys and rehabs a property, rents it, then refinances at the after-repair value to pull cash back out. The new loan is ARV × refinance LTV. Buy at $200,000, rehab for $50,000, refinance a $320,000 ARV at 75% LTV, and the $240,000 loan leaves just $10,000 in the deal.
After the estimate:
Join the waitlistBRRRR calculator
Buy, rehab, rent, refinance — the numbers.
Enter the purchase price, rehab budget, after-repair value, and refinance terms to estimate how much cash the refi returns, what stays in the deal, and the monthly cash flow after the new loan.
Purchase price
$
Rehab cost
$
After-repair value (ARV)
$
Your estimate of what the property appraises for after the rehab. Every output below depends on it.
Refinance LTV
75%
50%
90%
Refi rate (APR)
7.00%
0%
12%
Refi term
30 yrs
5 yrs
40 yrs
Monthly rent
$
Monthly operating expenses (excl. loan)
$
Taxes, insurance, maintenance, vacancy allowance, management — everything but the new loan payment.
Input-driven result
Your inputs
Formula
Result below
Cash left in the deal
$10,000
$250,000 in (price + rehab) − $240,000 new loan. This is what stays invested.
New loan amount
$240,000
75% of your $320,000 ARV estimate.
Cash pulled back out
$240,000
Refinance proceeds returned against the cash you put in (assumes a cash purchase and rehab).
Equity remaining
$80,000
$320,000 ARV − $240,000 loan.
Post-refi monthly cash flow
$103
$2,400 rent − $700 expenses − $1,597 new loan P&I.
Estimate based on your inputs. Not a promise of results.
Estimate only — and the ARV is the assumption that drives everything. If the appraisal comes in below your number, the loan, the cash out, and the equity all shrink with it. It also assumes a cash purchase and rehab, ignores holding and closing costs, and doesn't model lender seasoning requirements.
How it works
How this tool works.
The BRRRR strategy — buy, rehab, rent, refinance, repeat — lives or dies on one question: after the refinance, how much of your cash is still stuck in the deal? Buy and renovate well, and the new loan against the after-repair value returns most of your money to deploy again. Miss on the numbers, and your capital is trapped in a property that also has to cash-flow around a bigger payment.
This calculator runs the whole loop from your inputs: purchase price, rehab cost, your after-repair value estimate, the refinance LTV, rate, and term, and the property’s monthly rent and operating expenses. It returns the new loan amount, the cash pulled back out, the cash left in the deal, the equity remaining, and the post-refi monthly cash flow. One honest warning up front: every output leans on the ARV you type in. That is your assumption, not the tool’s — if the appraisal comes in lower, the loan, the cash out, and the equity all shrink with it.
Make the result useful
Keep each BRRRR stage independently supportable
Buy, rehab, rent, refinance, repeat depends on purchase basis, repair scope, stabilized rent, appraisal, and lender terms. A weak assumption in one stage changes every later result.
Model cash left in the deal after refinance rather than focusing only on projected value.
Is ARV guaranteed?
No. It requires supportable valuation.
Does it ensure refinance approval?
No. Lender underwriting controls.
Questions landlords ask
Questions about this tool and its limits.
Built by a landlord who's done every one of these jobs by hand.
Aptoria was built by an owner-operator managing a Brooklyn portfolio — the 11pm calls, the awkward rent texts, the April receipt-pile — not by a software team guessing at the problem.
Keep exploring