BRRRR Calculator
Model your Buy-Rehab-Rent-Refinance-Repeat deal from purchase through refinance. See how much capital you can recycle and what your post-refi returns look like.
B — Buy
R — Rent
Tax + insurance + management (no mortgage)
R — Refinance
Typically 70–75% for investment property
How the BRRRR Method Works
Purchase a distressed property below market value — off-market, pre-foreclosure, or auction.
Renovate to raise the after-repair value (ARV) and make it rent-ready.
Place a tenant to generate cash flow and qualify the property for refinancing.
Cash-out refinance at 70–75% of ARV. Use proceeds to recover your invested capital.
Deploy the recycled capital into the next deal and grow your portfolio.
BRRRR Strategy — Common Questions
What does BRRRR stand for?
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It's a real estate investment strategy where you purchase a distressed property, renovate it, rent it out, refinance to pull out equity, and use that cash to buy the next deal.
What is after-repair value (ARV)?
ARV is the estimated market value of a property after all renovations are complete. It's the key number in a BRRRR deal — your refinance loan is based on a percentage (typically 70–75%) of the ARV.
What LTV should I use for the refinance?
Most conventional lenders offer 70–75% LTV on investment property cash-out refinances. Some portfolio lenders go higher. Using 75% is a safe estimate for planning purposes.
What does 'infinite return' mean in BRRRR?
If your refinance pulls out 100% of your original cash invested (down payment + closing costs + rehab), your 'cash left in deal' is $0. Any positive cash flow is technically an infinite return — you're earning income on zero invested equity.
How do I find good BRRRR properties?
BRRRR deals require properties trading below market value — typically distressed, pre-foreclosure, estate sales, or motivated sellers. Haven's off-market deal discovery scans 4,000+ data sources daily to surface exactly these opportunities.
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