Finance category
Mortgage, loan, investing, tax, and money calculators.
BRRRR Strategy Calculator
BRRRR investors buy distressed, rehab, rent stabilize, refi out cash, and repeat.
Cash left in
$10,500
Refi amount
$187,500
Total invested before refi
$193,000
How the math works
Refi = ARV × LTV. Cash out = refi − closing. Cash left in = invested − cash out.
$250k × 75% = $187.5k − $5k = $182.5k cash. Invested $193k. Cash left in: $10.5k.
How to Use
- Enter arv.
- Enter purchase price.
- Enter rehab cost.
- Enter carrying cost.
- Enter refi ltv %.
- Enter refi closing.
- Read cash left in.
Frequently Asked Questions
BRRRR mechanics?
Buy distressed at 60–70% ARV. Rehab 10–15% ARV. Total acquired cost: 70–85% ARV. Rent stabilization 60–90 days. Refinance: 75% LTV typical, cash-out at 75% × ARV − all-in cost. Capital pulled: often 80–100% of original cash invested if math works. Repeat with same capital. Risks: rehab overrun, refi appraisal short of expected, rate environment unfavorable at refi. DSCR matters: NOI / debt service > 1.20 typical. Best in growing markets where ARV continues to rise.
How does this debt analysis fit a workout strategy?
Workout, default, and recapitalization decisions depend on the gap between in-place debt and current asset value. Lenders evaluate cure cost, foreclosure timeline + cost, broker price opinion (BPO), and borrower equity. Borrowers evaluate equity in the property, refinance feasibility, and forbearance economics. This calculator provides one input to that multi-factor decision.
Discounted payoff (DPO) vs forbearance vs deed in lieu?
DPO: lender accepts less than full balance to avoid foreclosure cost, common with non-recourse and underwater assets. Forbearance: payment deferral 6–18 months, balance accrues, useful when value will recover. Deed in lieu: borrower transfers title to lender, faster than foreclosure but lender takes full risk. DPO often best when borrower has new capital + lender wants quick exit.
Special servicing dynamics?
CMBS loans transfer to special servicer at default or maturity default. Special servicer compensation aligns with workout, but timeline is 6–24 months and fees stack ($25–250k+ in costs). Whole-loan and balance-sheet lenders move faster but with less flexibility. Bridge and debt fund lenders most flexible. Time-to-resolution and total friction cost should be weighted in any borrower scenario.
Related Calculators
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring
Next steps in Finance
Previous calculator
BRRRR Exit Refi Calculator
Size the refinance cash-out at the end of a BRRRR cycle — ARV, refi LTV, existing loan payoff, and infinite-return check.
Next calculator
Builder Rate Lock Calculator
Calculate net savings from a builder forward-locked rate vs market at close — fee, monthly savings, and lifetime net.