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Tools · BRRRR refinance

BRRRR refinance calculator

Model the refinance leg of a buy, rehab, rent, refinance, repeat plan. Results are educational estimates, not loan commitments.

How to use: enter the purchase, the rehab and how it was financed, then the after-repair value and the rent. The refinance loan, the cash it returns and the cash left in the deal update as you type or drag.

How the number is built
01
Cash in
Purchase price, rehab, and closing and holding costs, plus interest on the acquisition loan until the refinance, less what that loan financed.
02
Refinance loan
The smaller of two ceilings: the ARV times the best cash-out LTV any published program offers for this credit score and loan size, and the loan the rent still covers at the refinance engine's DSCR floor.
03
Cash out
The refinance loan, less the acquisition loan it pays off and the refinance's own closing costs.
04
Cash left in the deal
Cash in, less cash out. At zero or below, the refinance has returned everything you put in.
05
Seasoning
A refinance soon after purchase may be sized on cost, not ARV. The tool flags the 6-month window the site's other refinance tools use.
Live estimate

$20,000 stays in the deal after the refinance.

$320,000 after-repair value · $2,800/mo rent · 7% refinance over 30 years.

Deal inputs

Everything recalculates as you type or drag — nothing to submit.

Buy & rehab
Purchase price$200,000
Rehab budget$50,000
Closing & holding costs$8,000
Acquisition loan$200,000
Acquisition loan rate12%
Months to refinance6
Rent & refinance
After-repair value (ARV)$320,000
Monthly rent$2,800
Annual taxes$4,200
Annual insurance$1,800
HOA per month$0
Refinance rate7%
Refinance closing costs$6,000
Credit score740
Held fixed
Acquisition loan interest-only, funded at purchase · 30-year refinance amortization · 1.00x DSCR floor · 6-month refinance seasoning
The refinance
Refinance loan
$256,000
Cash out
$50,000
Cash left in the deal
$20,000
Bound bythe 80% cash-out LTV × ARV
DSCR at refinance1.27x
Refinance payment + escrows$2,203/mo
Ceilings: LTV · DSCR$256,000 · $345,707
6-month seasoning met?YES
Cash in, cash out
Purchase + rehab$250,000
Closing & holding costs$8,000
Acquisition loan interest (6 mo)$12,000
Less acquisition loan-$200,000
Cash in$70,000
Refinance loan$256,000
Less acquisition loan payoff-$200,000
Less refinance closing costs-$6,000
Cash out$50,000
Cash left in the deal$20,000

Assumptions and limits

Where the caps come from

The cash-out LTV is the best cell any published program offers for this credit score, loan size and DSCR (program sheets dated Sep 12, 2025 – Apr 1, 2026 (pulled Jun 24, 2026)). The loan is also held to the rent covering the full payment at the 1.00x DSCR floor, and to the published rate-term LTV the Construction & Bridge takeout uses.

Seasoning

Some providers will lend against the new appraised value once the property has been held for a period they define; before that point, they may base the loan on your purchase price plus documented rehab cost. This tool flags the 6-month window the site's other refinance tools use.

Not a commitment

Indicative only, and subject to full underwriting and an appraisal. Rent evidence, reserves and the cash-out amount are each provider's decision under its current guidelines.

Preliminary educational estimate — not a commitment to lend, a rate quote, an appraisal or a credit decision. Verify every input and current program terms with the provider before relying on any figure here.

Greenstreet DSCR program matrices as of June 24, 2026. This dataset is past its 90-day review cadence — verify current rates before relying on it.

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