A BRRRR calculator tells you whether a deal lets you recycle your capital. Here's how the BRRRR method works in South Florida — and a free tool to run the numbers.
A BRRRR calculator answers the question every investor cares about: how much of my cash can I get back? BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat — a strategy that lets you recycle your capital into deal after deal. In this guide, we'll explain the method and show you how to analyze it correctly in South Florida.
What is the BRRRR method?
The BRRRR method turns a single down payment into a repeatable system. First, you buy a distressed property below market value. Then you rehab it, rent it out, and refinance based on the higher after-repair value. Finally, you pull your capital back out and repeat the process on the next deal.
When it works, you build a rental portfolio while leaving little of your own money trapped in each property.
Why you need a BRRRR calculator
BRRRR lives and dies on the numbers. A good BRRRR calculator models five things at once: your all-in cost, the after-repair value, the refinance loan amount, the cash you pull out, and the cash flow that remains. Miss any one of them, and a "great" deal can quietly trap your capital.
Our Fix & Flip / BRRRR calculator runs all of it in seconds — including whether you achieve an "infinite return" by recovering 100% of your investment.
How to analyze a BRRRR deal
- Estimate the ARV. What will the home be worth after repairs?
- Add up your costs. Purchase, rehab, closing, and holding costs.
- Project the refinance. Most lenders refinance at 70–75% of ARV.
- Calculate cash left in. Subtract your cash-out from your total invested.
- Check the cash flow. Make sure the new mortgage still leaves room for profit.
BRRRR in South Florida: what to watch
South Florida offers strong rents and appreciation, which helps BRRRR deals. However, insurance costs and condo restrictions can complicate the rental and refinance steps. For that reason, single-family homes inland — in St. Lucie or Highlands County — often make cleaner BRRRR candidates than coastal condos.
To compare the buy-and-hold returns afterward, our rental property ROI calculator shows cap rate and cash-on-cash return.
Start your first BRRRR
A BRRRR calculator turns a complex strategy into a clear go/no-go decision. Once you've run the numbers, the next step is finding the right distressed property. Tell us your criteria and our team will source off-market BRRRR candidates across South Florida.
