Excel Workbook

BRRRR Analyzer

Model the full Buy-Rehab-Rent-Refinance-Repeat cycle before you make an offer. See how much cash you'll pull out at the refi, whether the deal cash flows, and if the numbers support doing it again.

The BRRRR strategy sounds simple — buy cheap, fix it up, rent it, refi, repeat. But the math gets complicated fast. How much cash do you actually need? What ARV do you need to pull it all back out? Does the rent cover the new mortgage? This analyzer walks through every stage and gives you a clear answer on each question.

What it models

Purchase price and down payment
Rehab and holding costs
Total cash invested before refi
Stabilized rent and operating expenses
Net operating income (NOI)
After-repair value (ARV)
Cash-out refi loan amount and monthly payment
Cash pulled out at refi
Cash left in deal (the key BRRRR metric)
Monthly cash flow after refi
DSCR — lender qualification check
Cash-on-cash return and equity captured

How it works

  1. Enter your purchase price, down payment, and closing costs in the Buy section
  2. Add your estimated rehab and holding costs in the Rehab section
  3. Enter stabilized rent and annual expenses (taxes, insurance, repairs, management)
  4. Fill in your expected ARV, refi LTV, rate, and term in the Refinance section
  5. The Results section shows cash left in deal, monthly cash flow, DSCR, and a deal scorecard — instantly updated as you adjust any input
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What's included

  • BRRRR Analyzer Excel workbook (.xlsx)
  • Analyzer tab with all five BRRRR stages — Buy, Rehab, Rent, Refinance, Results
  • Built-in PMT formula for accurate mortgage payment calculation
  • Deal scorecard — cash flow, DSCR, equity, and capital recycling at a glance
  • How It Works tab explaining every metric in plain English
  • Lifetime minor updates included
  • Immediate download after purchase

FAQ

What does "cash left in deal" mean?

It's what you still have tied up after the cash-out refi. Zero means the refi returned all your original capital — you can use the same money on the next deal. Negative means you pulled out more than you put in. Positive means some of your equity is still locked up in this property.

What's a good DSCR for a BRRRR refi?

Most DSCR lenders require 1.20x or higher — meaning rent covers 120% of the mortgage payment. Below 1.0x means rent doesn't cover the mortgage at all. The analyzer flags this clearly in the scorecard.

How is this different from the Rental Deal Analyzer?

The Rental Deal Analyzer focuses on whether a stabilized rental property is worth buying — cash flow, CoC, cap rate. The BRRRR Analyzer models the full renovation and refi cycle, which has different math: you're buying distressed, forcing appreciation, and recycling capital rather than holding it in the deal.

Is this a subscription?

No. One-time purchase, lifetime minor updates included.