BRRRR Calculator
210 Mortgage • Your next step
Not sure whether your investment property qualifies?
Compare your numbers, explore potential financing structures, and request a review of your investment scenario.
No texting app on this device? Text (210) 204-8249 from your phone.
Calculator estimates are educational. A real mortgage professional can review your circumstances, documentation and lender requirements. A scenario review is not a loan approval or a guarantee of terms.
210 Mortgage | NMLS #219381
BRRRR
Use the brrrr calculator to model cash invested, refinance proceeds, cash left in the property and rental cash flow after stabilization.
Your scenario estimate
Complete the numbered sections, then select Calculate.
- Pre-refinance cash invested
- Refinance loan from entered LTV
- Net refinance proceeds after payoff/costs
- Post-refinance monthly cash flow
- Annual cash flow / positive cash left
No automatic lender LTV, seasoning, draw funding, refinance availability, ARV guarantee or tax basis. Initial funded principal cannot exceed total acquisition/rehab/cost uses.
Want me to review these numbers?
Send your question and, if you choose, attach these estimates for a personal scenario review.
Educational estimates, not approval, a rate quote or a commitment to lend. Entered rates are hypothetical modeling assumptions, not currently available 210 Mortgage rates. No APR calculation, future-rate forecast or automatic eligibility decision. User-entered fees, ratios and forecasts are assumptions. Results do not establish eligibility, a rate offer or an available credit limit. 210 Mortgage • Tyler Krug NMLS #219381 • Mortgage loans originated through My Community Mortgage, LLC NMLS #2408499 • Equal Housing Lender. See site licensing and disclosures.
How to Use the BRRRR Calculator
Step 1: Purchase and renovation
Enter acquisition price, cash renovation, acquisition costs and holding expenses. Enter bridge/acquisition principal actually funded, excluding unused commitments. Interest/fees belong in costs; principal repayment belongs in the payoff.
Step 2: Refinance
Enter after-repair value, lender-verified refinance LTV, actual debt payoff and refinance costs. This is a collateral estimate; DSCR, seasoning and eligible cost-basis constraints remain external.
Step 3: Stabilized operations
Enter annual NOI, monthly replacement reserves, new fixed rate and term.
Calculate, compare and request a review
Choose Calculate to see your estimate. Change one assumption at a time and calculate again. Contact information is optional. Use the review form or Text a Question when you need help verifying the inputs.
How the Calculator Works
Initial cash=price+rehab+acquisition costs+holding costs−acquisition funding. New loan=ARV×LTV%. Net refinance proceeds=new loan−payoff−refi costs. Cash left=initial cash−net proceeds. Monthly cash flow=NOI/12−new P&I−reserves. Return ratio is undefined if cash left≤0, avoiding an “infinite return” claim.
Example calculation
Hypothetical example, not an available loan offer. ARV $300,000 at75% LTV models a $225,000 refinance before lender cost-basis/DSCR limits.
How to interpret your results
Negative cash left means modeled proceeds exceed cash invested; it does not establish that cash-out is allowed. Check credit, seasoning, appraisal and DSCR before acquisition.
Assumptions and factors that change the result
No automatic lender LTV, seasoning, draw funding, refinance availability, ARV guarantee or tax basis. Initial funded principal cannot exceed total acquisition/rehab/cost uses.
Frequently asked questions
Why does cash-on-cash become unavailable if no cash remains invested?
A cash-on-cash ratio needs a positive invested-cash denominator. Zero or negative cash left in the project does not produce a meaningful infinite-return percentage.
Do these results mean I am approved?
No. The tool calculates the entered scenario. Documentation, property eligibility, program rules and lender review remain separate.
What should I do when an input is uncertain?
Use a documented quote or clearly labeled planning assumption. Change one input at a time, calculate again, and request a review before relying on it.