Calculateur BRRRR
Acheter, Rénover, Louer, Refinancer, Répéter
La Stratégie BRRRR Expliquée
Acheter, Rénover, Louer, Refinancer, Répéter. La méthode BRRRR est une stratégie puissante pour développer un portefeuille immobilier avec un capital limité en forçant la plus-value et en extrayant du cash.
Le succès repose sur l'achat sous la valeur du marché, un budget travaux précis et l'obtention d'une bonne expertise pour le refinancement.
Valeur Après Travaux (ARV)
La valeur estimée du bien une fois toutes les rénovations terminées.
Règle des 70%
Une règle suggérant de ne pas payer plus de 70% de l'ARV moins les travaux.
Vélocité de l'Argent
La rapidité avec laquelle vous récupérez votre capital initial pour le réinvestir.
Comment utiliser ce calculateur
- 1
Enter Purchase & Rehab
Input the purchase price, renovation budget, and financing for the acquisition phase.
- 2
Set Rental Income
Estimate the market rent and operating expenses once the property is stabilized.
- 3
Model the Refinance
Enter the expected after-repair value, refinance loan-to-value, and new interest rate.
- 4
Review Capital & Cash Flow
See how much cash you pull out, what stays in the deal, and the post-refinance monthly cash flow.
Questions fréquentes
What does BRRRR stand for?
Buy, Rehab, Rent, Refinance, Repeat. You buy an undervalued property, renovate it, rent it out, then refinance at the new higher value to pull your capital back out — and use it for the next deal.
How much can I pull out when refinancing?
Most lenders offer a cash-out refinance at 70–80% of the appraised after-repair value. If your renovated property appraises at $250,000 and the lender allows 75%, the new loan is $187,500 — anything above your old loan and costs is capital returned to you.
What is an 'infinite return' in BRRRR?
If the refinance returns all the cash you invested, you own a cash-flowing property with zero of your own money left in the deal. Any ongoing cash flow is then an infinite return on invested capital. It's the ideal outcome, not the typical one.
What are the main risks of the BRRRR strategy?
Appraisals coming in lower than expected, renovation overruns, higher refinance rates than planned, and negative cash flow after the new larger loan. The calculator shows post-refinance cash flow so you can check the deal still stands on its own.