BRRRR Cash-on-Cash After Refi 2027 Calculator
Compute cash-on-cash return after BRRRR cash-out refinance. Tracks cash left in deal vs annual cash flow to find infinite-return BRRRR potential.
| All-In Cash Invested | — |
| Refi Loan Amount (LTV × ARV) | — |
| Cash Pulled Out at Refi | — |
| Cash Left in Deal | — |
| New Monthly P&I | — |
| Monthly Cash Flow | — |
| Annual Cash Flow | — |
| Post-Refi Cash-on-Cash % | — |
BRRRR (Buy, Rehab, Rent, Refinance, Repeat) targets infinite cash-on-cash return: pull out all original cash via refinance, measure remaining cash invested against new cash flow. 2027 cash-out refi: 70-75% LTV on investment property at 7.5-8.5% rates. Source: Fannie Mae 2026-12, BiggerPockets BRRRR Index.
How BRRRR Cash-on-Cash After Refi Works
Step 1: buy distressed property with cash or hard money. Step 2: rehab to forced appreciation. Step 3: rent to stabilize NOI. Step 4: refinance into 30-year conventional at 70-75% LTV of ARV. Step 5: repeat. The math win: if (ARV × LTV) ≥ (purchase + rehab + closing), you pull out 100% of your original cash and the cash-on-cash denominator becomes zero — infinite return.
2027 BRRRR Refi Reality Check
Fannie Mae and Freddie Mac investor cash-out refis cap at 75% LTV for 1-unit, 70% for 2-4 unit. Six-month seasoning required from purchase date to refi closing in most cases. Rates in 2027 remain 1.0-1.5% above owner-occupied, so model 7.5-8.5%. DSCR loans allow no-seasoning refis but rates run 8.5-10%. Always price both before committing capital.
Why Infinite Return is Possible — and Risky
Infinite cash-on-cash sounds magical but requires the deal to hit two targets: (1) all-in basis ≤ 75% of ARV, (2) rent supports new debt service. Investors who chase infinite return often skimp on reserves and rehab quality. Lenders also reject high-LTV refis if appraisal comes in low. Build 10-15% appraisal cushion into your ARV estimate.
Last updated May 2026. Sources: Fannie Mae Selling Guide 2026-12, BiggerPockets BRRRR Index.