BRRRR deal analyzer
Model acquisition, rehab, rent, refinance proceeds, and cash left in the deal.
AnalyzeMortgage calculators
Run the numbers before the numbers run you.
Analyze an investment, understand a payment, compare competing offers, or see how quickly extra principal changes a loan.
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Four tools for four different decisions.
Every result updates instantly as you change the assumptions.
BRRRR deal analyzer
Buy. Rehab. Rent. Refinance. Repeat.
Estimate how much capital remains after refinance costs and whether stabilized net operating income supports the new loan.
Cash left in the deal$12,50033.7% estimated cash-on-cash return
- Total project cost
- $319,000
- Initial cash invested
- $127,000
- New refinance loan
- $315,000
- Net cash returned at refinance
- $114,500
- Monthly refinance payment
- $2,149
- Estimated monthly cash flow
- $351
- Estimated DSCR
- 1.16
- Equity after refinance
- $105,000
- 70% rule max purchase
- $234,000
Educational estimate only. Actual qualification, costs, and loan terms vary.
Payment + amortization
See the complete payment and where it goes.
Use the actual mortgage insurance and program-fee estimates from a quote when available. The full amortization schedule uses the financed loan amount.
Estimated total payment$3,679Principal & interest $2,854
- Base loan amount
- $440,000
- Financed program fee
- $0
- Total financed amount
- $440,000
- Taxes + insurance
- $825
- HOA dues
- $0
- Mortgage insurance / mo.
- $0
- Estimated cash to close
- $119,000
- Total scheduled interest
- $587,379
Educational estimate only. Actual qualification, costs, and loan terms vary.
First 10 years of amortization
Annual principal, interest, and remaining balance.
YearPrincipalInterestBalance
1$4,689$29,557$435,311
2$5,016$29,230$430,295
3$5,365$28,881$424,930
4$5,739$28,507$419,191
5$6,138$28,108$413,053
6$6,566$27,680$406,488
7$7,023$27,223$399,465
8$7,512$26,734$391,953
9$8,035$26,211$383,919
10$8,594$25,652$375,324
Mortgage loan comparison
Compare the cost—not only the rate.
Compare rate, points, lender fees, credits, payment, and the cost over the period you expect to keep the loan.
Loan A
$2,919/mo.- Net upfront lender cost
- $1,500
- Cost over 5 years
- $149,062
- Balance after 5 years
- $422,441
- Lifetime interest
- $600,729
Loan B
$2,771/mo.- Net upfront lender cost
- $8,250
- Cost over 5 years
- $144,511
- Balance after 5 years
- $420,018
- Lifetime interest
- $547,462
The higher-upfront-cost option reaches estimated break-even in month 36. Borrowing cost is interest plus net lender charges; taxes, insurance, third-party settlement costs, and the time value of money are excluded.
Upload a real quote for review Early payoff
See what an extra payment could save.
Apply an additional amount to principal each month and compare the resulting payoff timeline.
Estimated interest saved$116,1386 yr 4 mo sooner
- Regular principal & interest
- $2,491
- New monthly payment
- $2,791
- Estimated payoff time
- 20 yr 8 mo
- Interest with extra payments
- $310,981
Educational estimate only. Actual qualification, costs, and loan terms vary.
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Rates, qualification, property details, reserves, and loan costs can change the outcome.