Real Estate Investment
BRRRR Calculator: How to Analyze a BRRRR Deal in South Florida
June 9, 2026 · 6 min read · By Pure Equity Realty
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. It is a strategy that lets you recycle your capital into deal after deal. In this guide, we 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. You buy a distressed property below market value, rehab it, rent it out, and refinance based on the higher after-repair value. Then you pull your capital back out and do it again on the next deal.
When the numbers work, 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 deal that looks great 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 all count.
- Project the refinance. Most lenders refinance at 70 to 75 percent of ARV.
- Calculate cash left in. Subtract your cash-out from your total invested.
- Check the cash flow. The new mortgage still needs to leave room for profit after expenses.
BRRRR in South Florida: what to watch
South Florida has strong rents and appreciation, which helps BRRRR deals. Insurance costs and condo restrictions can complicate both the rental and refinance steps, though. Single-family homes inland, in St. Lucie or Highlands County, often make cleaner BRRRR candidates than coastal condos.
To compare buy-and-hold returns after you refinance, our rental property ROI calculator shows cap rate and cash-on-cash return.
Start your first BRRRR
A BRRRR calculator turns a layered strategy into a clear go/no-go decision. Once you have 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.
