BRRRR calculator.
See exactly how much cash you get back.
The whole BRRRR question is one number: how much of your capital stays trapped in the property after the refinance. FlipRight Analyzer™ models the rehab, the seasoned appraisal, the cash-out refinance at your lender's LTV, the new debt service, and the resulting cash flow, cash-on-cash return, and DSCR.
The BRRRR math FlipRight runs
Purchase through refinance, modeled in one pass.
When cash left in the deal reaches zero, cash-on-cash return is effectively infinite — FlipRight flags that threshold for you.
Four steps from listing to decision
- 01
Underwrite the buy and rehab
Same engine as the flip analyzer: purchase price, line-item repairs, contingency, closing costs, and short-term financing across the renovation window.
- 02
Set the rent assumptions
Market rent, vacancy, maintenance, capex reserve, management, taxes, and insurance produce a defensible net operating income instead of a rent-minus-mortgage guess.
- 03
Model the refinance
Enter appraised value, refinance LTV, rate, amortization, and seasoning period. FlipRight computes proceeds, payoff, and the exact cash left in the deal.
- 04
Compare against the alternatives
The same property is priced as a flip, a wholetail, a wholesale assignment, and a straight rental hold, so you can see whether BRRRR is really the best exit.
Why most BRRRR deals disappoint
BRRRR breaks when the appraisal comes in under the assumed ARV, when the lender's LTV is lower than expected, or when the new debt service eats the cash flow. Any of those three turns a supposed infinite-return deal into a property with $40,000 of dead capital and $90 a month of cash flow.
FlipRight stress-tests exactly those variables. Drop the appraisal 10%, tighten LTV, raise the refinance rate, and the model shows you the new cash left in the deal, the new DSCR, and whether the property still clears your minimum return.
Built for lender conversations
- DSCR calculated the way a debt-service-coverage lender calculates it
- Seasoning period and payoff of the short-term loan handled explicitly
- Post-refi cash flow after vacancy, maintenance, capex, and management
- Branded report with comps, rent assumptions, and refinance scenario
- Portfolio view of every BRRRR in flight and the capital recycled to date
Questions investors ask
Straight answers on how the analyzer handles this strategy.
What refinance LTV should I assume?
Most conventional and DSCR lenders cash out at 70–75% of appraised value on a seasoned rental. FlipRight defaults to 75% and lets you set your lender's actual figure.
Does it account for seasoning?
Yes. You set the seasoning window, and the short-term loan carry across that period is included in the all-in basis before the refinance is modeled.
Can it show an infinite return?
When refinance proceeds cover the entire all-in basis, cash left in the deal is zero or negative and the model flags an infinite cash-on-cash return, along with the cash pulled back out.
Does it calculate DSCR?
Yes — net operating income divided by annual debt service, using the post-refinance loan. Most lenders want 1.20 or better, and FlipRight grades against that.
Find out how much capital comes back out.
Model the rehab, the refinance, and the cash flow in a single pass.