BRRR Calculator: Capital Recycled & Cashflow

BRRR is about capital efficiency. You buy below market value, add value with a refurbishment, then refinance against the higher post-works value to release most of your money. The calculator shows your total invested, how much the refinance releases, the capital left in the deal and the percentage recycled, the goal of a clean BRRR is to push capital-left-in towards zero so the same cash funds the next purchase.

The biggest risk is a down-valuation at refinance, which leaves more money trapped. Build a margin of safety into your post-refurb value. Learn the full method in our BRRR strategy guide.

Frequently asked questions

What does BRRR stand for?

Buy, Refurbish, Rent, Refinance. You buy below market value, renovate to add value, let the property, then refinance against the higher value to recover most of your invested capital.

How much capital can I recycle with BRRR?

It depends on the gap between your total cost and the new value, and the refinance loan-to-value. At 75% LTV against a higher post-works valuation, the new mortgage can release most or sometimes all of your original money.

What is 'capital left in'?

It is the cash still tied up in the deal after refinancing, your total invested minus what the refinance releases. A clean BRRR aims to keep this as close to zero as possible.