Calcolatore Strategia BRRRR
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Cash Left in Deal
$11,500
Cash Left in Deal vs Refinance Loan Term
Formula
The BRRRR Strategy
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. The goal is to recover most or all of your initial investment through refinancing, then repeat with the same capital.
How BRRRR Works
1. Buy a property below market value 2. Rehab to increase value and make rent-ready 3. Rent to a tenant at market rates 4. Refinance based on the new appraised value (ARV) 5. Repeat using the recovered capital
Key Metrics
Refinance Requirements
Esempio Risolto
Buy at $150,000, rehab $40,000, closing $5,000. ARV $250,000, refi at 75% LTV, 7% rate, 30 years, $4,000 refi closing. Rent $2,000/mo, expenses $600/mo.
- 01Total cash in: $150,000 + $40,000 + $5,000 = $195,000
- 02Refi loan: $250,000 x 75% = $187,500
- 03Cash recovered: $187,500 - $4,000 = $183,500
- 04Cash left in deal: $195,000 - $183,500 = $11,500
- 05% recovered: $183,500 / $195,000 = 94.1%
- 06Mortgage payment: $187,500 at 7% for 30yr = $1,247.73
- 07Monthly cash flow: $2,000 - $600 - $1,247.73 = $152.27
- 08Annual cash flow: $152.27 x 12 = $1,827
- 09Cash-on-cash return: $1,827 / $11,500 = 15.9%
Domande Frequenti
What happens if the appraisal comes in lower than ARV?
A lower appraisal means a smaller refinance loan and more cash left in the deal. You can appeal the appraisal with comparable sales data, wait for market appreciation, or accept the higher cash-in-deal. Conservative ARV estimates prevent this problem.
How long do I need to wait before refinancing?
Most lenders require a 6-month seasoning period from the purchase date. Some portfolio lenders or credit unions may refinance sooner. During this period, complete rehab and stabilize the property with a tenant.
What if I recover more than I invested?
Recovering more than 100% is the ideal BRRRR outcome, meaning you end up with a cash-flowing rental and extra cash to invest in the next deal. This happens when the purchase price plus rehab is well below the refi loan amount.