BRRRR Calculator for Western New York Investors

Use this BRRRR calculator to estimate your total cash-in, refinance loan amount, potential cash-out at refinance, and what your monthly cash flow could look like after the refi. It’s built for real-world investing in Western New York where rehab costs, appraisals, and lender guidelines can vary by property and neighborhood. If you want a second opinion, send me the address and I’ll run the numbers with you.

How to Use This BRRRR Calculator

  • Enter your purchase price + rehab budget

  • Add closing costs and holding costs (if your calculator includes them)

  • Enter your after-repair value (ARV) estimate

  • Choose your refinance LTV (common ranges are 70–75%)

  • Review your cash left in the deal and your post-refi cash flow

BRRRR Calculator (Buy • Rehab • Rent • Refi • Repeat)
Estimate cash-in, refi proceeds, cash left in the deal, and post-refi cash flow.
Inputs
Post-Refi Rental Numbers
Property Taxes
Use whichever is easier. The calculator converts it to a monthly tax expense automatically.
Management, maintenance, and CapEx are calculated off effective rent after vacancy.
Refi Loan Terms (after rehab)
Results
Total Cash In (Before Refi)
$0
Refi Loan Amount (LTV × ARV)
$0
Cash Out at Refi
$0
Cash Left In Deal
$0
New Monthly P&I (After Refi)
$0
Post-Refi Monthly Cash Flow
$0
Cash-on-Cash (After Refi)
0.00%
DSCR (After Refi)
0.00
NOI (Annual, after rehab)
$0
NOI is before the mortgage. It’s used by lenders and investors to compare properties.

Want to check cash flow after the refinance?

Run the Investor Calculator

Use the Investor Calculator to estimate monthly cash flow, NOI, cap rate, cash-on-cash return, and DSCR.

BRRRR Calculator FAQ

What is ARV?
After Repair Value, what the home could appraise for after renovations.

How much can I refinance?
Many BRRRR loans are based on a percentage of the appraised value (often 70–75% LTV), but it varies by lender and property.

What does “cash left in the deal” mean?
Cash left in the deal is how much of your money is still tied up in the property after the refinance. A lower number means you pulled more cash back out, but a BRRRR can still be a great deal even if you leave some cash in.

Does this calculator include holding costs?
If you have mortgage payments, utilities, and insurance during rehab, include those so your cash-in number is realistic.

Can I use this for a multi-unit?
Yes, but multi-units often have different rent assumptions and expense totals. If you want, I can help you run a more accurate version.

Estimates only. Actual rehab costs, appraisal value, and loan terms vary by property condition, town, and lender guidelines.