BRRRR Cash-Recycling Planner
How much cash comes back—and how much stays in the property?
Private browser calculationBase + risk comparisonCSV · project file · print
Method reviewed October 25, 2026 · All prefilled amounts and rates are hypothetical examples. Replace them with supported project figures.
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Model BRRRR cash invested, refinance proceeds, capital left in the rental, ongoing cash flow and a combined downside. Read the method and boundaries.
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Project files retain scenarios across the nine workbench models and share a private label. BRRRR and condo models can also share purchase, acquisition, construction and soft-cost inputs. Each model retains its own financing, cash and operating assumptions. A saved tool scenario restores its own values.
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Method, assumptions and DC source boundaries
These equations are our planning analysis. Agency sources explain legal or supervisory context; they do not validate a property, approve a lender request or supply the fictional rates and prices above. Method version 2026-10-25.1.
- The bridge is assumed fully advanced throughout the pre-refinance period, with interest paid from owner cash. No rent is credited before refinance. Use the existing draw planner for phased funding.
- Capital left equals pre-refinance owner capital minus net refinance proceeds; a negative value indicates cash returned above that capital. The retained cash reserve remains separate from consumed costs.
- Rent, vacancy and expenses must be supported and lawful. NOI/P&I is an analytical coverage measure, not a residential lender qualification result. LTV and the optional explicit cap do not capture every underwriting condition.
- Cash-on-cash uses positive capital left, excluding the retained cash reserve. It is not meaningful when that denominator is zero or negative.
Evidence to confirm
- Commercial Real Estate Lending, version 2.0Office of the Comptroller of the Currency · Context reviewed October 25, 2026 · Bank supervisory reference reviewed 2026-10-24, including March 2025 update note; not universal private-lender terms
- DC Code §42-3502.05: rental registration and exemptionsDC Law Library · Context reviewed October 25, 2026 · Current text reviewed 2026-10-24; section notes temporary amendments expiring January 22, 2027; confirm version for the transaction date
- Publication 527: residential rental propertyInternal Revenue Service · Context reviewed October 25, 2026
Keep actual quotes, leases, tax/closing calculations, approval records and release conditions with your project. No automatic entitlement, valuation, savings or funding outcome is represented.