Enter any US address and instantly see ARV, rehab costs, refinance projections, cash left in deal, and post-refi rental cash flow. The complete BRRRR calculator.
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Arvo combines flip analysis with rental underwriting into one seamless BRRRR report.
The most critical BRRRR metric. See exactly how much of your capital stays locked after the cash-out refinance.
AI-estimated After Repair Value with refinance projections at 70%, 75%, and 80% LTV. Know your cash recovery before you buy.
Zip-code-specific repair estimates using real material costs and local labor rates. From cosmetic to full gut renovation scoping.
See your monthly cash flow after refinancing, not just at purchase terms. Account for the higher post-refi mortgage payment.
BRRRR-specific scoring that weighs capital recovery, post-refi cash flow, market strength, and renovation risk together.
Pro users can generate PDF pitch decks with the complete BRRRR analysis to present to lenders and private money partners.
The BRRRR method — Buy, Rehab, Rent, Refinance, Repeat — is how investors build a rental portfolio without tying up fresh cash in every deal. The magic is in the refinance: if you force enough value through renovation, a cash-out refinance can return most or all of your original investment, freeing that capital to do it again. A good BRRRR calculator tells you, before you buy, exactly how much of your money you'll get back.
BRRRR only works on properties you can buy under market and improve. Like a flip, the deal hinges on the After Repair Value (ARV) — the appraised value once renovations are complete — because your refinance loan is sized against that number, not your purchase price. Buy at a price plus rehab that lands well below ARV and you create the equity the refinance will tap.
Most lenders will refinance an investment property at 70–75% loan-to-value (LTV) of the appraised ARV. Your goal is for that loan to cover everything you put in. The defining BRRRR metric is your cash left in the deal:
If the refinance loan equals or exceeds your all-in cost, you've pulled out 100% of your capital — an "infinite return" BRRRR. If cash is left in the deal, that's the capital you can't recycle into the next purchase, so you want it as low as possible while still keeping the property cash-flow positive.
| Purchase price | $120,000 |
| Rehab budget | $40,000 |
| Closing & holding costs | $15,000 |
| Total all-in cost | $175,000 |
| After Repair Value (ARV) | $230,000 |
| Cash-out refinance @ 75% LTV | $172,500 |
| Cash left in deal | $2,500 |
Here the investor recovers $172,500 of their $175,000 all-in cost, leaving just $2,500 in the property — and they now own a renovated rental with a tenant. That $2,500 (versus a typical 20–25% down payment of $40,000+) is what lets BRRRR investors scale so quickly.
Recovering your capital is only half the equation. After the refinance, your mortgage is larger than a standard purchase loan, so the property must still cash-flow at the post-refi payment. Always check that market rent covers the new mortgage plus taxes, insurance, vacancy, maintenance, and management — a BRRRR that pulls out all your cash but bleeds $200/month isn't a win. Arvo models both the capital recovery and the post-refinance cash flow on every deal, then scores the two together. See a sample report or run your first BRRRR free.
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