Screen the buy free. Model the rehab-to-refi loop with Pro.
Free screens the acquisition and rental fallback. Pro models rehab, ARV-based refinancing, recovered capital, cash left in the deal, and stabilized cash flow against the new debt.
Free screen: no card or signup
Built for value-add capital recyclers
Four jobs every BRRRR operator does — modeled correctly so the deal you commit to on paper is the deal you close in real life.
Realistic rehab budgets, not back-of-napkin
Use the standalone rehab cost estimator at /tools/rehab-cost-estimator (cosmetic / mid / gut tiers by sqft) to ground your rehab number before feeding it into the BRRRR loop.
ARV-driven refinance math
Set the post-rehab ARV. The BRRRR analyzer (Pro) computes the refi loan amount at your LTV, the cash returned, and your stabilized cash flow against the new debt service.
Capital recycle is the whole point
See exactly how much of your original cash comes back at refi. The deal that 'doesn't pencil' as a buy-and-hold can look great when you recover 95% of capital and roll it into the next one.
Hard-money initial rate, refi rate after
The 'BRRRR' starter template (in Templates) seeds 9.5% hard-money rate, 15% down, higher CapEx + maint for the value-add property. Re-run at your refi rate after stabilization to see the long-term picture.
The full BRRRR loop in TrueCap
- 1Estimate the rehab. Open /tools/rehab-cost-estimator and ground your number against per-sqft cosmetic / mid / gut tiers.
- 2Underwrite the buy. Use the calculator with the 'BRRRR' starter template (hard-money rate, 15% down, higher reserves).
- 3Open the BRRRR analyzer tab (Pro): plug in purchase + rehab + ARV. See your projected refi loan amount, cash recovered, and stabilized cash flow.
- 4Stress-test the ARV. If ARV comes in 10% under expectation, does the deal still work? The sensitivity grid will tell you.
- 5Save the deal. Compare BRRRR vs straight buy-and-hold in Compare Deals to see which strategy returns more capital on this property.
Why BRRRR operators pick TrueCap
- Capital recovered is the headline metric. Standard analyzers focus on cash flow; BRRRR analyzer focuses on how much of your initial cash comes back at refi. That's what determines whether you can do another deal.
- Two-stage rate modeling. Hard-money rate at acquisition, conventional refi rate after stabilization — different math at each stage.
- Rehab cost estimator built in. Don't guess. Open the rehab tool, get a per-sqft anchor, feed it into the deal.
- ARV stress-test. ARV comes in low more often than high. Run the sensitivity grid to see how a 5-10% ARV miss affects your refi recovery.
- Compare strategies. Same property, BRRRR vs hold — which returns more capital in 3 years?
BRRRR-specific tools and reading
The fastest standalone tool for screening a BRRRR is the BRRRR calculator. When estimating the rehab, the rehab cost guide keeps your number defensible, and the cash-out refinance walkthrough covers the LTV + DSCR math that determines how much capital you actually recover. For sourcing the kind of deal that pencils, see how to find off-market rental properties.
Free screens the buy. Pro models the refi.
Free analyzer and standalone BRRRR and rehab tools provide a first-pass acquisition screen. Pro unlocks the interactive BRRRR model, including post-rehab refinancing and ARV-driven cash recovery, plus 10-year projections, Illustrative Tax Impact, and deal comparison.