BRRRR Investment Analysis Made Easy

The FREE Investor-Grade BRRRR Calculator from Coastal Capital Funding.

Run real numbers on your next deal in under 60 seconds. Built by Coastal Capital Funding — Providing Impeccable Service Second to NONE!

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• FREE • INVESTOR-GRADE • PDF REPORT

The BRRRR Method

Five steps. One repeatable wealth-building loop. The strategy experienced investors use to recycle the same chunk of capital into property after property — keeping their cash invested while building a long-term rental portfolio.

B

Buy

Acquire a distressed property below market value with hard money.

R

Rehab

Force appreciation by renovating to retail-ready condition.

R

Rent

Stabilize the property with a long-term lease or short-term rental tenant.

R

Refinance

Pull your capital out via a long-term cash-out refinance based on the new ARV.

R

Repeat

Use the recovered capital to acquire the next deal — with no hard cap on growth.

Why Investors Trust the CCF BRRRR Calculator

Most online BRRRR calculators skip the details that matter. Ours doesn't. Built by a direct private lender, stress-tested against real deals, with the assumptions a refinance lender will actually underwrite.

Lender-Style DSCR — for Annual Lease AND Short-Term Rental

Choose Annual Lease (Long-Term Rental) and DSCR is computed as Gross Rent ÷ PITIA. Choose Short-Term Rental (Vacation / Airbnb) and the calculator automatically applies the 80%-of-gross-rent haircut your refi lender will use to qualify the income. Both formulas are disclosed inline so there's no guessing.

Hard money math that mirrors a real loan

Origination, non-lender, and other lender fees are broken out separately. Holding-period interest is computed accurately for both Dutch (interest on the full loan from day one) and Non-Dutch (interest only on the disbursed balance) — because the difference matters when you're comparing lenders.

One-page PDF report you can actually share

Once you unlock the full analysis, download a landscape one-page PDF with your subject property address, the headline KPIs, three breakdown tables, and an Apply Now button. Email it to your partner, attach it to a loan application, or print it for your CPA.

Built-in to the BRRRR loop you already run

  • Purchase + ARV + rehab on the front end
  • Hard-money loan structure (LTV, points, rate, holding period)
  • Refinance on the back end (LTV, rate, term, payment type)
  • Rental cash flow + DSCR + lender-grade output

FAQs:

Is this calculator really free?
Completely free. No account creation, no credit card. The only ask is your name, email, and phone when you're ready to unlock the detailed PDF — so we can introduce ourselves if you ever need hard money or a long-term refi.
What's the difference between Dutch and Non-Dutch interest?
Dutch: the lender charges interest on the full loan amount from day one, even though rehab funds are drawn over time. Non-Dutch: interest is charged only on the disbursed balance, so you pay less during the rehab phase. Most hard money lenders are Dutch by default. The calculator handles both so you can stress-test either quote.
How is DSCR calculated for short-term rentals?
For long-term annual leases: Gross Rent ÷ PITIA. For short-term rentals (Airbnb, VRBO), most lenders apply an 80% haircut to gross income to account for vacancy and seasonality, so DSCR = (80% × Gross Rent) ÷ PITIA. The calculator switches formulas automatically based on your Property Type selection and discloses which one was used.
What does PITIA mean?
PITIA = Principal + Interest + Taxes + Insurance + Association (HOA). It's the full monthly housing payment your refi lender escrows. If you choose Interest-Only on the refi, the calculator switches to ITIA (Interest + escrows, no principal during the I/O period).
Does Coastal Capital Funding actually fund BRRRR deals?
Yes — that's why we built this. We provide hard money for the acquisition + rehab phase and we have long-term rental loans for the refinance side, both under one roof. Apply here to discuss a specific deal.

Built for serious investors

Whether you're already running a BRRRR portfolio or transitioning from flips into long-term holds, this calculator was built around the questions you actually ask.

Active BRRRR Investors

You've done a few. You know the math but you're tired of rebuilding spreadsheets. Use this for fast scenario analysis on every offer you write.

Flippers Going Long-Term

Flipping pays the bills, but you want passive income too. This calculator shows you whether a deal pencils as a hold-and-rent before you commit.

Short-Term Rental Operators

Vacation rentals throw off variable income. The STR DSCR formula here uses the 80%-of-gross-rent haircut your refi lender will apply.

Ready to Get Started?

Start your application process by completing our online form.

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Questions first? Call 757-333-HOME (4663) or email info@coastalcapitalfunding.com