Strategy
BRRRR Calculator
Calculate your Buy, Refurbish, Rent, Refinance, Repeat strategy. See exactly how much capital you can recycle and whether you can achieve infinite returns.
B
Buy
Below market value
R
Refurbish
Add value
R
Rent
Generate income
R
Refinance
Pull out capital
R
Repeat
Scale your portfolio
Phase 1: Buy & Refurbish
Stamp Duty: £7,500
18.2% below ARV
Equity: £40,000Typically 25% of purchase price
Bridging Finance
Short-term loan for purchase
12%
6 months
Phase 4: Refinance
75%
Refinance amount: £165,000
5.5%
25 years
Phase 3: Rent
10%
5%
2 weeks
🎉 Infinite Returns Achieved!
You can pull ALL your money out and still own the asset
Money Left In
£0
Infinite returns!
Cash-on-Cash
∞
Annual return on capital
Monthly Cash Flow
-£82
After refinance
Total Cash Required:£88,550
Refinance:£165,000
Equity Created:£40,000
Capital Flow
Cash Out (Purchase)
-£88,550
Cash In (Refinance)
+£165,000
Net Position
+£0 PROFIT
Monthly Numbers (After Refinance)
Rental Income+£1,154
Mortgage Payment-£803
Management & Costs-£433
Monthly Cash Flow-£82
Annual Cash Flow-£990
Total Equity£55,000
BRRRR Tips
CAUTION
Your purchase is only 18.2% below ARV. Aim for 25%+ to ensure refinance covers costs.TIP
Always get 3 builder quotes and add 15-20% contingency to refurb budgets.INFO
Most lenders require 6-month seasoning before refinancing to the new value.Money Left In Deal
Money Left In = Total Cash Required - Refinance Amount
If Money Left In ≤ 0, you've achieved 'infinite returns' as you've pulled out all your capital while still owning an income-producing asset.