BRRRR Calculator
See the deal before you do the deal.
Model a potential Buy, Rehab, Rent, Refinance, Repeat strategy in one place. Enter the property, renovation, rental, and refinance assumptions to see how capital may move through the project.
Illustrative estimates only. Calculator results are not a loan approval, commitment, appraisal, or guarantee of investment performance.
The BRRRR method
Buy. Rehab. Rent. Refinance. Repeat.
BRRRR uses short-term capital to acquire and improve a property, then transitions the stabilized asset into longer-term rental financing.
Buy
Enter the purchase price and acquisition costs to establish the starting basis.
Rehab
Add renovation, contingency, holding, and financing costs.
Rent
Estimate stabilized rent and operating expenses.
Refinance
Model loan proceeds using value, LTV, rate, and term.
Repeat
Review cash left, cash flow, equity, and DSCR.
Live BRRRR model
Change assumptions. Watch the capital stack move.
Basis
$326,000
Refi Loan
$277,500
Debt Service
$1,940/mo
DSCR
1.47x
Guided calculator
Start with the property. Build the strategy from there.
Edit the assumptions by stage and watch the capital story update in real time. Results are estimates based only on the numbers entered here.
Estimated cash left
$108,700
Monthly cash flow
-$161
Set the starting basis for the project.
Results
Show the capital story, not just the math.
Total project cost
$326,000
Stabilized value
$370,000
Potential refinance loan
$277,500
Estimated cash returned
$13,300
Modeled DSCR
1.47x
Equity after refinance
$92,500
Deal summary
Based on the assumptions entered, the project would have an estimated total basis of $326,000 and a stabilized value of $370,000. A refinance at 75% LTV could produce an estimated loan of $277,500, leaving approximately $108,700 of original cash invested in the property. At the projected rent and expenses, estimated monthly cash flow would be -$161 with a modeled DSCR of 1.47x.
Visual story
Make the BRRRR cycle visible.
Each stage surfaces the key number that changes how the next stage behaves.
01 / Buy
$240,000
Initial cash $122,000
02 / Rehab
$55,000
Basis $326,000
03 / Rent
$2,850
NOI $1,780/mo
04 / Refinance
$277,500
Cash returned $13,300
05 / Repeat
$108,700
-$161/mo, $92,500 equity
BRRRR flow: Buy, Rehab, Rent, Refinance, Repeat. Current modeled values are purchase price $240,000, rehab budget $55,000, stabilized rent $2,850, refinance loan $277,500, cash left in the deal $108,700, and monthly cash flow -$161.
From calculator to capital
Like the scenario? Send RELM the deal.
RELM connects the two common financing stages behind a BRRRR strategy: short-term acquisition and renovation capital, then longer-term DSCR rental financing for income-generating properties.
Short-term capital
Fix & Flip financing can support purchase and renovation needs.
Stabilized income
The calculator models rent, expenses, refinance proceeds, and DSCR.
Long-term rental
DSCR rental financing can support qualified income-generating assets.
Methodology
Clear formulas. Editable assumptions.
The calculator uses user-entered assumptions and generic investment formulas. It does not hard-code RELM rates, max LTV, minimum DSCR, credit score, loan amounts, or eligibility thresholds.
Final step