{
  "slug": "brrrr",
  "title": "BRRRR Calculator",
  "heading": "BRRRR Strategy Calculator",
  "category": "financial",
  "url": "https://www.revenuelab.fyi/toolbox/brrrr",
  "summary": "Cash left in the deal after buy, rehab, rent, refinance.",
  "description": "The whole point of BRRRR is recycling capital. If the refinance returns all of your cash, your cash-on-cash return is technically infinite — but only if the after-repair value holds up.",
  "formula": "Cash left = (Purchase + rehab + costs) − (ARV × LTV).",
  "dateModified": "2026-09-30",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=brrrr",
  "inputs": [
    {
      "id": "purchase",
      "label": "Purchase price",
      "kind": "number",
      "hint": null,
      "default": 180000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "rehab",
      "label": "Rehab cost",
      "kind": "number",
      "hint": null,
      "default": 55000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "holding",
      "label": "Holding + closing costs",
      "kind": "number",
      "hint": null,
      "default": 14000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "arv",
      "label": "After repair value",
      "kind": "number",
      "hint": null,
      "default": 320000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "ltv",
      "label": "Refinance LTV",
      "kind": "number",
      "hint": null,
      "default": 75,
      "unit": "%",
      "min": 50,
      "max": 90
    },
    {
      "id": "rate",
      "label": "Refinance rate",
      "kind": "number",
      "hint": null,
      "default": 7,
      "unit": "%",
      "min": 0,
      "max": null
    },
    {
      "id": "rent",
      "label": "Monthly rent",
      "kind": "number",
      "hint": null,
      "default": 2450,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "expenses",
      "label": "Monthly operating expenses",
      "kind": "number",
      "hint": null,
      "default": 780,
      "unit": "$",
      "min": 0,
      "max": null
    }
  ],
  "outputs": [
    {
      "id": "left",
      "label": "Cash left in the deal",
      "format": "currency",
      "hint": null,
      "primary": true
    },
    {
      "id": "loan",
      "label": "Refinance loan amount",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "cash",
      "label": "Monthly cash flow after refi",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "equity",
      "label": "Equity retained",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "allIn",
      "label": "All-in cost",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "coc",
      "label": "Cash-on-cash on remaining cash",
      "format": "percent",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Purchase price: 180000 $",
      "Rehab cost: 55000 $",
      "Holding + closing costs: 14000 $",
      "After repair value: 320000 $",
      "Refinance LTV: 75 %",
      "Refinance rate: 7 %",
      "Monthly rent: 2450 $",
      "Monthly operating expenses: 780 $"
    ],
    "outputs": [
      "Cash left in the deal: $9,000.00",
      "Refinance loan amount: $240,000.00",
      "Monthly cash flow after refi: $73.27",
      "Equity retained: $80,000.00",
      "All-in cost: $249,000.00",
      "Cash-on-cash on remaining cash: 9.8%"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter purchase price ($).",
      "Enter rehab cost ($).",
      "Enter holding + closing costs ($).",
      "Enter after repair value ($).",
      "Enter refinance ltv (%).",
      "Enter refinance rate (%).",
      "Enter monthly rent ($).",
      "Enter monthly operating expenses ($).",
      "Read your cash left in the deal on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Conservative",
      "description": "Lower-end numbers — what if things land soft?",
      "values": {
        "purchase": 110000,
        "rehab": 33000,
        "holding": 8500,
        "arv": 190000,
        "ltv": 50,
        "rate": 7,
        "rent": 1450,
        "expenses": 475
      }
    },
    {
      "name": "Typical",
      "description": "Defaults — the most common real-world setup.",
      "values": {
        "purchase": 180000,
        "rehab": 55000,
        "holding": 14000,
        "arv": 320000,
        "ltv": 75,
        "rate": 7,
        "rent": 2450,
        "expenses": 775
      }
    },
    {
      "name": "Ambitious",
      "description": "Higher-end numbers — what if things really pop?",
      "values": {
        "purchase": 290000,
        "rehab": 88000,
        "holding": 22500,
        "arv": 510000,
        "ltv": 90,
        "rate": 7,
        "rent": 3900,
        "expenses": 1250
      }
    }
  ],
  "limitations": [
    "Results are estimates before tax, fees, and inflation unless an input explicitly covers them.",
    "Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.",
    "This is educational maths, not financial advice. Check anything contractual with the lender or your accountant."
  ],
  "faq": [
    {
      "q": "How does the brrrr strategy calculator work?",
      "a": "The whole point of BRRRR is recycling capital. If the refinance returns all of your cash, your cash-on-cash return is technically infinite — but only if the after-repair value holds up. The underlying maths is: Cash left = (Purchase + rehab + costs) − (ARV × LTV)."
    },
    {
      "q": "What do I need to enter?",
      "a": "8 values: purchase price, rehab cost, holding + closing costs, after repair value, refinance ltv, refinance rate, monthly rent, and monthly operating expenses. Each field starts with a sensible default, so you can change one number at a time and watch the result move."
    },
    {
      "q": "What does the cash left in the deal result mean?",
      "a": "It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds."
    },
    {
      "q": "Is this calculator free, and do I need an account?",
      "a": "Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser."
    },
    {
      "q": "How accurate is the result?",
      "a": "It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them."
    },
    {
      "q": "Who is this tool for?",
      "a": "It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/cash-on-cash-return",
    "https://www.revenuelab.fyi/toolbox/house-flip-profit",
    "https://www.revenuelab.fyi/toolbox/cap-rate"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — BRRRR Calculator (https://www.revenuelab.fyi/toolbox/brrrr)"
}