BRRRR Calculator

Model a Buy-Rehab-Rent-Refinance-Repeat deal. See cash left in deal, monthly cash flow, and DSCR ratio.

Buy & Rehab

Purchase Price Rehab Budget Closing Costs (purchase) Holding Costs (during rehab + seasoning)

Refinance

After Repair Value (ARV) Refinance LTV (%) Interest Rate (%) Loan Term (years) Refinance Closing Costs

Rental Operations

Monthly Rent Property Tax (monthly) Insurance (monthly) Vacancy Reserve (% of rent) Maintenance Reserve (% of rent) Property Management (% of rent)

Results

Total Invested (purchase + rehab + closing + holding): $0
Refinance Loan Amount: $0
Cash Returned at Refinance: $0
Cash Left in Deal: $0
Monthly Mortgage (PITI): $0
Net Monthly Cash Flow (after reserves): $0
DSCR (Debt Service Coverage Ratio): 0.00
Cash-on-Cash Return (annualized): 0%

How to read this

Cash Left in Deal should be $0 or negative for a textbook BRRRR. Anything over $20K means capital isn't fully recycling.
DSCR ≥ 1.2 is the typical minimum for DSCR loan approval. Below 1.0 means the property doesn't cover its mortgage from rent alone.
Monthly Cash Flow must stay positive even after all reserves. Negative cash flow is not a deal — it's a liability you're paying to own.

Next steps

Disclaimer: This calculator is provided for educational and informational purposes only. Its estimates rely entirely on the figures you enter and do not constitute financial, investment, lending, legal, tax, or real estate advice. Loan terms, appraised values, rents, and market conditions vary and cannot be guaranteed by any tool. You are solely responsible for conducting your own due diligence and for verifying all numbers with qualified professionals — including a licensed lender, appraiser, contractor, real estate attorney, and accountant — before making any investment decision. ListCentral makes no warranty as to the accuracy or completeness of these results and accepts no liability for any loss or decision made in reliance on them.