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
Estimates only. Actual rehab costs, appraisal value, and loan terms vary by property condition, town, and lender guidelines.
Want to check cash flow after the refinance?
Use the Investor Calculator to estimate monthly cash flow, NOI, cap rate, cash-on-cash return, and DSCR.
BRRRR Calculator FAQ
What does BRRRR stand for?
Buy, Rehab, Rent, Refinance, Repeat. The idea is to buy a property that needs work, renovate it to force appreciation, rent it out, then refinance based on the new appraised value to pull your cash back out and do it again. Done right, it’s one of the most efficient ways to build a rental portfolio without tying up all your capital.
What is ARV and how do I estimate it?
ARV stands for After Repair Value, basically what the property could realistically appraise for once renovations are complete. You estimate it by looking at recent comparable sales in the same neighborhood for similar size, condition, and features. This is one of the most important numbers in the whole deal. Overestimate your ARV and the whole strategy falls apart at the refinance.
How much can I refinance after a BRRRR?
Most lenders will refinance at 70-75% of the appraised ARV, but it varies by lender, property type, and your financial profile. Some portfolio lenders and DSCR loan programs go higher. The key is knowing your ARV accurately before you buy so you can back into whether the refi will actually return your cash.
What does “cash left in the deal” mean?
It’s how much of your own money is still tied up in the property after the refinance. The goal of BRRRR is to get that number as close to zero as possible, which investors call an “infinite return” because you have no cash left in but you still own the asset and the cash flow. Even if you leave some cash in, it can still be a solid deal depending on the returns.
What are seasoning requirements and why do they matter?
Seasoning refers to how long you need to own a property before a lender will refinance based on the new appraised value rather than your purchase price. Many conventional lenders require 6-12 months of seasoning. Some portfolio and DSCR lenders have no seasoning requirement at all. This matters because if you need to wait 6 months before you can refi, your holding costs eat into your returns.
Does this calculator include holding costs?
Yes, there’s a field for total holding costs. Make sure you include mortgage payments on any purchase loan, utilities, insurance, and any carrying costs you pay during the rehab period. Skipping this makes your cash-in number look better than it really is, and that’s how investors get surprised at the finish line.
Can I use this calculator for a multi-unit property?
Yes. Just enter the total combined rent across all units in the monthly rent field and adjust your expense percentages accordingly. Multi-units typically have higher management and maintenance costs than single-family, so build that in. If you want help running the numbers on a specific multi-unit, reach out and we can go through it together.