BRRRR Calculator Spreadsheet, Excel and Google Sheets, BRRR Method Analyzer, Cash Out Refinance, Rehab Budget, Cash Left in Deal, DSCR

Seller's description

Excel BRRRR calculator: see how much cash the refinance returns and how much stays in the deal. Example: $57,125 cash-out, $65,244 left, 1.24x DSCR.

Change the blue cells to your numbers. Everything else updates on its own.

WHAT IT SHOWS
- Total cash in: purchase, closing costs, rehab with a contingency, loan points and holding costs while you rehab (loan interest, taxes, insurance, utilities).
- The refinance: new loan at your LTV of ARV, closing costs, payoff of the acquisition loan, cash-out to you, and cash left in the deal.
- A clear flag when all of your cash comes back, so you never divide by zero on an "infinite return."
- After the refinance: rent, vacancy and operating expenses give NOI, cap rate on ARV, monthly cash flow, cash-on-cash on the cash you left in, and DSCR against the lender threshold you enter.
- A 7 to 10 year hold view with rent growth, expense growth, appreciation, loan balance, equity, sale, IRR and equity multiple.
- A sensitivity table for cash left in the deal and cash-on-cash against ARV and rehab cost.
- Works for 1 to 4 units. Hard money or all cash on the purchase.

WORKED EXAMPLE (made-up duplex)
Buy at $300,000. Rehab $60,500 with 10% contingency. Hard money loan $270,250. Cash in: $122,369.
Six months later it appraises at $450,000. A 75% refinance at 7% is a $337,500 loan. It pays off the hard money and $10,125 of costs, and returns $57,125 to you.
Cash left in the deal: $65,244. Rent of $4,600 a month leaves about $536 a month of cash flow and a 1.24x DSCR.

WHY NOT A FREE CALCULATOR?
Free ones are fine for a quick check. This is one Excel file for the whole deal: rehab by category, holding costs, the refinance, DSCR, a 7-year hold with IRR, and a table of cash left against ARV and rehab cost. Change the blue cells. It all updates.

HOW IT WORKS
Blue text = inputs. Black = formulas. Yellow = key assumptions. No macros, no add-ins. Built as an Excel (.xlsx) file.

WHAT YOU GET
- 1 Excel workbook (.xlsx) with 7 tabs: Start Here, Summary, Inputs, Rehab, Refinance, Hold, Sensitivity
- 1-page HOW-TO-USE PDF
- Instant digital download, delivered as one .zip file

GOOD TO KNOW
- Works in Excel and in Google Sheets (upload the .xlsx; tested Oct 2026). A few colour highlights may look different in Sheets.
- This is a pre-tax screening tool. It does not model income tax, depreciation or local rules.
- Loan interest is charged on the full acquisition loan for every month until the refinance, which is conservative if your lender releases money in draws.
- Lenders set their own cash-out limits, seasoning periods and fees. Check them with your lender before you rely on a number.
- Not financial, tax or investment advice. Verify every assumption before you buy.

Digital download. Nothing ships. You get the file right after purchase. Personal use license, one per buyer, no resale or sharing. Because this is a digital file, I do not offer returns or exchanges, but if the file is damaged, will not open, or is not as described, message me and I will make it right.

Calculator only, not financial, tax or legal advice.

Pairs with: Fix and Flip Calculator Spreadsheet and Rental Property Analysis Spreadsheet.

Designed by Cap Rate Studio with the help of AI tools. The formulas were recalculated and checked against an independent calculation of the example numbers before release.