Use Navikoo's BRRRR calculator to model the Buy, Rehab, Rent, Refinance, Repeat strategy from acquisition through long-term ownership. Estimate upfront cash needed, rehab costs, refinance proceeds, cash left in the deal, cash flow, DSCR, and equity based on your assumptions.
Navikoo splits the BRRRR deal into two distinct phases. Phase A covers everything before the refinance. Phase B shows the refi outcome and what you walk away with.
Configure growth assumptions for income, expenses, and property value. Navikoo projects every metric — including Profit if Sold and CAGR — at 1, 2, 3, 5, 10, 20, and 30 years.
| Metric | Yr 1 | Yr 3 | Yr 5 | Yr 10 | Yr 20 | Yr 30 |
|---|---|---|---|---|---|---|
| Annual Income | $16,200 | $17,200 | $18,260 | $21,160 | $28,440 | $38,190 |
| Annual CF | +$4,080 | +$4,520 | +$5,020 | +$6,200 | +$9,840 | +$15,600 |
| Property Value | $226,600 | $240,570 | $255,290 | $296,510 | $398,230 | $535,040 |
| Equity | $61,200 | $75,600 | $90,400 | $135,800 | $246,500 | $535,040 |
| Profit if Sold | $34,200 | $48,600 | $63,400 | $108,800 | $219,500 | $507,790 |
| CAGR | / | 14.2% | 11.8% | 10.3% | 9.4% | 9.1% |
BRRRR is a capital-recycling strategy. These are the metrics that determine whether the deal sets you up to repeat the cycle — or ties your capital up for years.
BRRRR is one strategy carried out in five stages, and each stage changes the numbers the next one starts from. This BRRRR method calculator connects the acquisition, renovation, rental, and refinance phases in one analysis, so a change to the rehab budget or the refinance assumption flows through the whole model rather than sitting in a separate spreadsheet tab.
Purchase price, acquisition costs, and initial financing establish the starting capital requirement - the money that has to be in the deal before any work begins.
Renovation costs and the rehab timeline affect total capital invested before the property is stabilized. If the renovation scope is still an estimate, it is worth building it line by line in the Rehab Cost Estimator before carrying a single number into the BRRRR analysis.
Projected rent and operating expenses determine the property's income and post-rehab cash flow assumptions. Rent is one of the inputs a BRRRR analysis calculator is most sensitive to, so it is worth checking against comparable listings in the Rent Estimator rather than using a round number.
The modeled refinance uses the property's after-repair value and refinance assumptions to estimate new financing and how much capital may be returned. These are modeled figures based on what you enter - an appraisal, a lender's approval, a final loan amount and a rate are all decided outside the model.
Investors can compare the capital remaining in the deal and ongoing property performance before deciding whether the strategy fits their criteria. If the property is likely to be held long term, comparing the stabilized economics in the Rental Property Calculator is a reasonable next step.
Cash left in the deal is the portion of the investor's modeled capital that remains invested after the refinance proceeds are applied to the original project investment. If a project required a certain amount of capital to acquire and renovate, and the modeled refinance returns part of it, what is still committed to the property is the cash left in the deal.
A lower number is not automatically a better investment. A deal that returns more capital may carry a larger loan balance, thinner cash flow, or a weaker debt service coverage ratio - and the figure that a BRRRR real estate calculator produces depends entirely on the assumptions entered for purchase price, rehab, rent, after-repair value, and refinance terms.
Cash left in the deal is most useful read alongside debt service, cash flow, DSCR, equity, financing terms, operating expenses, and the risks specific to the project. Navikoo shows those figures together so the comparison can be made against your own criteria rather than a single headline number. This is a modeling tool, not investment advice.