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Analyze Buy-Rehab-Rent-Refinance-Repeat deals. Calculate cash pulled out, post-refi cash flow, BRRRR score, and infinite return potential.
Taxes, insurance, management, maintenance
All-in cost includes purchase price, rehab costs, buying costs, and any upfront financing points or fees.
Refinance loan amount is based on post-rehab ARV multiplied by your refi LTV (typically 75%).
Cash pulled out is the refinance amount minus the remaining hard money or acquisition loan balance.
Infinite return is achieved when cash pulled out equals or exceeds your total cash invested, leaving you with none of your own money in the deal.
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. Investors buy distressed properties, renovate them, rent them out, refinance to pull cash out, and repeat the process with the recovered capital.
Infinite return is achieved when you pull out all or more of your initial investment through refinancing, leaving zero of your own cash in the deal while still generating positive cash flow.
Seasoning is the waiting period (typically 6-12 months) before a lender will refinance based on the new appraised value. Some lenders require proof of rental income during this period.
Most investors use 75% LTV for conventional investment property refinances. This leaves 25% equity in the property and typically avoids PMI. Some lenders offer 80% LTV with higher rates.
Look at comparable sales of renovated properties in the same area within the last 6 months. Adjust for differences in size, condition, and features. Be conservative — appraisers often come in lower than investor estimates.
Browse distressed properties with BRRRR potential nationwide.
