BRRRR Calculator | USInvestorLending
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Home Calculators BRRRR
Buy · Rehab · Rent · Refi · Repeat · Free

Score any BRRRR deal
see how much capital you recover.

Enter your purchase price, rehab budget, ARV, and rent to see your capital recovery rate, BRRRR score, and whether you're looking at an infinite-return play.

Capital recovery rate
BRRRR Score 0–100
Cash flow after refi
DSCR on the new loan
BRRRR Deal Inputs
Buy · Rehab · Rent · Refi · Repeat
$
$
$
$
$
%
%
$
$
BRRRR Results
Updates as you type
Capital Recovered
$165,000
BRRRR Score: 95/100 · Infinite Return
Left In Deal
$7,000
Cash Flow
$512
Equity Created
$55,000
Capital Recovery Rate95%
Total All-In Cost
$172,000
Refi Loan Amount
$165,000
Annual Cash Flow
$6,144
DSCR
1.31
Capital: In vs. Recovered
5-Year Equity Growth
Excellent BRRRR. You recover 95% of capital and still cash flow $512/mo.
Ready to refi out of this deal?
DSCR cash-out refi · No tax returns · 35 states
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The BRRRR Strategy

What is BRRRR and how does this calculator score it?

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. The strategy lets you recycle the same capital across multiple properties instead of tying it up in one deal. The key metric is how much of your original investment you recover through the refinance.

The BRRRR Score (0–100)

  • 90–100: Infinite return — you recovered more than you put in and still own a cash-flowing asset
  • 75–89: Excellent — recovered most of your capital, strong deal
  • 60–74: Good — meaningful capital recovery with solid returns
  • Below 60: Consider whether a straight buy-and-hold makes more sense

The refinance loan is based on your ARV and LTV. We fund DSCR cash-out refinances down to 1.00 with no tax returns required — which makes the refi phase of a BRRRR much more accessible for investors with complex income.

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Questions

Common questions answered.

What is a good BRRRR score?
A score of 90–100 means you're approaching or achieving an infinite return — you recover all your capital and still own a cash-flowing property. 75–89 is excellent. Below 60, consider whether the deal makes more sense as a straight purchase.
What LTV can I get on a BRRRR refinance?
Most DSCR lenders will go up to 75–80% LTV on a cash-out refinance. The key is that the property must have seasoned rents and the DSCR must meet the lender's minimum (we go down to 1.00).
Do I need tax returns for the BRRRR refinance?
No. A DSCR refinance qualifies on the property's rental income, not your personal income. Self-employed investors use this strategy specifically because it bypasses the income documentation requirements of conventional loans.
How long do I need to hold before refinancing?
Most DSCR lenders require 6–12 months of seasoning after purchase before a cash-out refinance. Some lenders will use the appraised ARV immediately after rehab — ask us which programs apply to your deal.

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