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Full BRRRR: the 75.0% refi ($930,392) pulls out all $290,000 invested plus $640,392 -- near-infinite cash-on-cash.
AI summary — generated from this report's data
The analysis indicates that a 75.0% refinance on the estimated After Repair Value (ARV) of $1,240,522 would result in a loan of $930,392, allowing for the recovery of the entire $290,000 all-in cost and an additional $640,392. However, the projected post-refinance monthly cash flow is negative at $-2,910, with a Debt Service Coverage Ratio (DSCR) of 0.53x.
The refinance scenario projects a significant cash-out of $640,392 beyond the initial investment, indicating a strong capital return at the time of refinance.
The estimated post-refinance monthly cash flow of $-2,910 and a DSCR of 0.53x suggest that the property's operational income may not cover the new debt service.
It would be beneficial to verify the estimated monthly rent of $5,466 and the 60.0% NOI margin to understand their impact on the projected cash flow and DSCR.
highThe projected post-refi monthly cash flow is negative at $-2,910, meaning the property's net operating income would not cover the new mortgage payment.
highThe Debt Service Coverage Ratio (DSCR) of 0.53x is below typical lender requirements, indicating a potential challenge in servicing the debt from property income.
mediumThe ARV is based on an ATTOM value AVM proxy, which may differ from an appraisal conducted for a refinance.
Advisory read: The data suggests weighing the significant cash-out potential against the projected negative post-refinance cash flow and low DSCR to determine if this financial structure aligns with your investment objectives.
Cash left in deal
$-640,392
after 75.0% refi on $1,240,522 ARV
Estimate confidence
Measures how tightly the underlying data agrees — internal consistency, not verified real-world accuracy.
Cash left in deal
$-640,392
negative = cashed out beyond basis
All-in cost
$290,000
buy $250,000 + rehab $40,000 + hold $0
Refi loan (75.0% LTV)
$930,392
on ARV $1,240,522
Post-refi cash flow
$-2,910/mo
NOI - new P&I
Post-refi DSCR
0.53x
NOI / new debt service
Equity after refi
$310,130
ARV - refi loan
BRRRR verdict
Full BRRRR: the 75.0% refi ($930,392) pulls out all $290,000 invested plus $640,392 -- near-infinite cash-on-cash.
The refinance
Purchase price$250,000
Rehab budget$40,000
Holding costs$0
All-in cost$290,000
ARV (ATTOM value AVM (used as ARV proxy))$1,240,522
ARV: ATTOM value AVM (used as ARV proxy). ATTOM's AVM reflects CURRENT condition; a true post-rehab ARV may differ -- supply 'arv' for your appraised after-repair value.
All-in cost = purchase_price + rehab + holding (supply each via inputs; missing costs default to $0).
Refi assumes 75.0% LTV cash-out at 7.0% over 30 yrs (override 'refi_ltv' / 'rate' / 'term_years').
NOI = gross rent x (1 - expense ratio 40.0%); override 'expense_ratio'. Excludes seasoning periods and refi closing costs. Advisory only.
Report generated on August 03, 2026. Figures are retrieved live or from a short-lived
cache (up to 30 days for some public-data sources), so a figure may pre-date this report —
each context card states its own data vintage. Comparable recency is shown per comp;
county assessment figures reflect the assessor's latest published tax year; HUD figures
reflect the current published fiscal year.
Rentari IQ rent estimates are informational market references, not pricing instructions. They are generated from your own property data, real comparable market listings, and — where local listing data is limited — AI-estimated market references (clearly labelled as such), never from other landlords' confidential rents, to support your own independent pricing decisions. You set your rents; Rentari does not. Every estimate is an advisory data point, and you remain solely responsible for the rent you charge. Estimates are not appraisals or legal advice and do not account for fair-housing, rent-control, or local pricing laws. Confirm every rent independently and comply with all applicable federal, state, and local requirements.
Disclaimer
This report is for informational purposes only and does not constitute financial, legal, investment, tax, or appraisal advice. Figures are drawn from the public and licensed data sources below and, where noted, AI-generated insights (Google Gemini) — always labelled as such. Please consult qualified professionals before making any decision.
Data sources
Rent comps & listings: RentCast · Property value, tax & assessment: ATTOM Data · Fair Market Rents & income limits: HUD (HUD.gov) · Demographics, income & housing medians: U.S. Census Bureau (American Community Survey) · New-construction supply: U.S. Census Bureau (Building Permits Survey) · Migration & income flows: IRS (Statistics of Income) · Employment, wages & rent inflation: U.S. Bureau of Labor Statistics · Flood zones & natural-hazard risk: FEMA (Flood Hazard Layer, National Risk Index) · Environmental screen & walkability: U.S. EPA (Superfund, AirNow, Walkability Index) · Seismic design values: U.S. Geological Survey · Mortgage market & rates: HMDA / Freddie Mac · Street View & geocoding: Google Maps · AI summaries & AI-estimated comps: Google Gemini (clearly labelled where used) · Your own executed leases: de-identified, from your account only
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RentariIQBRRRR / Refi Exit Analyzer