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Enter deal details to model the cycle
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Cash Left In Deal
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Cash Left In Deal
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After refinance
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Capital Recycled
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Cash back from refi
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Cash-on-Cash
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Annual return
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Repeat Potential
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Deals with same capital
🎯 The Verdict
Enter your BRRRR details below to see if the cycle works.
🏠 Buy & Rehab
Purchase and renovation costs
🏦 Refinance & Rent
Long-term loan and rental income
🔄 BRRRR Cycle Breakdown
Where your money goes and comes back
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Full BRRRR Cycle — Step by Step
Every phase of the Buy → Rehab → Rent → Refinance → Repeat process
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Monthly Cash Flow Analysis
What you earn every month after the refinance
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Repeat Multiplier
How many properties you can acquire by recycling the same capital
Capital Flow Through BRRRR
Cost Breakdown
Portfolio Growth (5 Repeats)
Monthly Cash Flow Breakdown
BRRRR Method Analysis Report
Vault & Vessel Studio ·
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How To Use
Model the full BRRRR cycle and see if your capital recycles
🚀 Getting Started
1
Enter the Buy
Purchase price, rehab budget, ARV (after repair value — what it's worth renovated), closing costs, and holding costs during rehab.
2
Enter the Refinance
LTV (loan-to-value — what % the bank lends against your ARV, typically 75%), refi rate, and refi closing costs. This determines how much cash comes back to you.
3
Enter the Rent
Monthly rent and expenses (property tax, insurance, property management, maintenance). This shows your monthly cash flow after the refi mortgage payment.
4
See the Repeat
If cash left in deal is low or zero, you can repeat the entire process with the recycled capital. The multiplier shows how many properties you can scale to.
📊 Terms Made Simple
BRRRR: Buy, Rehab, Rent, Refinance, Repeat. A strategy where you buy below market, renovate, rent it out, refinance to pull your cash out, then use that cash to do it again. The goal is infinite returns — your money keeps recycling.
Cash Left In Deal: How much of YOUR money is still stuck in the property after refinance. The dream is $0 — meaning the bank gave you ALL your money back and you own a cash-flowing rental for free.
LTV (Loan-to-Value): The percentage of the property's value the bank will lend you. At 75% LTV on a $260K ARV, the bank lends $195K. That cash pays off your original purchase and rehab — whatever's left goes back in your pocket.
Cash-on-Cash Return: Your annual cash flow divided by the cash you have stuck in the deal. If you have $5K left in and earn $6K/yr in cash flow, that's 120% cash-on-cash — wildly better than the stock market.
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No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual returns depend on market conditions, tenant quality, and unexpected costs. Consult a real estate professional and CPA before investing.