Most investors decide how to exit a property after they have already picked a calculator. This real estate deal analyzer works the other way. Enter the property once, and it shows the same deal as a flip, as a BRRRR refinance and as a rental purchase, so you can choose the plan before you choose the loan.
Deal analyzer
Enter one property. Compare selling it, refinancing it into a rental, and buying it as a rental from the start. Results are estimates, not a loan offer.
Flip and sell
Hard money for purchase and rehab, then a sale at the after-repair value.
Net profit
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- Return on your cash
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- Hard money loan
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- Your cash through the hold
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- Interest and carrying costs
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- 70% rule maximum offer
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BRRRR: refinance and hold
Same purchase and rehab, then a 30-year rental loan pays off the hard money.
Cash left in the deal
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- Refinance loan
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- Loan limited by
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- DSCR (rent ÷ payment)
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- Monthly cash flow
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- Equity kept
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Buy as a rental
A 30-year rental loan at purchase. You pay for repairs in cash and keep the property.
Cash needed to close and repair
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- Purchase loan
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- DSCR (rent ÷ payment)
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- Monthly cash flow
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- Cash-on-cash return
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- Equity after repairs
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What these numbers say
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Your figures are saved in this browser so the other calculators open with the same property. They are not sent to Jaken Finance Group unless you submit a request.
How to read the three results
Each column answers a different question. Flip and sell shows what you keep after the sale. BRRRR shows how much of your cash the refinance returns and whether the rent supports the new loan. Buy as a rental shows the cash needed when you skip the short-term loan and hold from day one.
- Net profit is the sale price minus purchase, rehab, closing costs, interest, carrying costs and selling costs.
- Cash left in the deal is what stays tied up after the refinance. When the refinance returns more than you spent, the label changes to cash returned.
- DSCR is rent divided by the full monthly payment. A result below 1.00x means the rent does not cover the payment.
Worked example: $180,000 purchase, $300,000 after-repair value
The calculator opens with this example. Change any input to replace it with your own deal.
| Result | Flip and sell | BRRRR | Buy as a rental |
|---|---|---|---|
| Loan | $202,500 hard money | $225,000 refinance | $144,000 purchase loan |
| Your cash | $42,831 through the hold | $27,081 left in | $88,000 to close and repair |
| Outcome | $33,669 net profit | 1.23x DSCR, $85 a month | 1.71x DSCR, $638 a month |
The example price is $15,000 above the 70% rule, which caps the offer at $165,000. The flip still earns a profit, but the margin for a missed budget or a slow sale is smaller. The BRRRR path keeps the property with about $27,000 invested. The rental purchase needs more than three times that cash, in exchange for one closing and a stronger payment cushion.
Which loan fits each exit
A flip or the first half of a BRRRR uses a short-term fix-and-flip loan that funds purchase and repairs. The refinance and the rental purchase use a DSCR loan, which qualifies on the property's rent instead of your personal income. If the refinance is the plan, check the timing in the refinance exit planner before you close on the first loan.
Go deeper on one exit
- Fix and flip calculator for gap funding and draw advances.
- BRRRR calculator for a closer look at the refinance.
- DSCR calculator for rental coverage on its own.
- Short-term rental calculator if the property will be booked by the night.
- Cash to close calculator for itemized closing costs and reserves.
Get pre-qualified for this deal · (833) 264-7776
Calculator outputs are educational estimates only. Rates, terms and leverage are offered only to qualified borrowers and are subject to change without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner-occupied investment properties.