5.0 · 624 reviews · Jim Blackburn · NMLS #1072866
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Investor · Buy · Rehab · Rent · Refi · Repeat

BRRRR Method Calculator (Buy, Rehab, Rent, Refi Cash Out, Repeat)

Recycle your capital. Estimate your acquisition loan and cash to close, the cash-out refinance at ARV, your cash back, and monthly rental cash flow.

Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer

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Paid with cash unless using a Fix-N-Flip or renovation loan.

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Estimate with sold comps in the last 6 months.

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3% Home Ready / 5% / 10% second home / 15% invest 1-unit / 20% primary 3-4 / 25% invest 2-4.

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Are you thinking about buying another home with your cash out to continue your wealth journey?

Summary

Maximum Acquisition Loan (by property type)$242,500

Step 1 — Acquisition

Desired Loan Amount$242,500
Initial Principal & Interest$1,452
Monthly Tax$500
Monthly Insurance$200
Monthly PMI$65
HOA (paid separately)$0
Total Monthly Housing Expense$2,152
Cash to Close — no credits$22,500
Cash to Close — with 3% seller credit$15,000
Cash to Close — with seller credit + DPA$7,500

Step 2 — Cash-Out Refinance

Maximum Refinance Loan (by ARV)$320,000
Final Principal & Interest$1,916
Final Total Monthly Housing Expense$2,616
Estimated Cash Back (ARV)$64,700After paying off acquisition loan and ~4% refi costs.

Step 3 — Cash Flow

Monthly Cash Flow-$2,616Enter new rental income to see positive cash flow.
Annual Cash Flow-$31,398
Monthly Income Target to Qualify$1,937
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Estimates only — not a commitment to lend.

Jim Blackburn

By Jim Blackburn

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Important Disclaimer

This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.

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