DSCR BRRRR Analyzer for NYC Real Estate Investors

The BRRRR strategy overview from BiggerPockets covers the general framework — what this analyzer adds is the DSCR calculation at the refinance exit, which is the number most BRRRR guides skip entirely.

BRRRR Verdict

Deal Indicator

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Enter numbers to evaluate

DSCR

0.00

Monthly Cash Flow

Net Cash Left In Deal

Cash-on-Cash ROI

0.00%

Acquisition & Initial Loan

Property Type

Market

Purchase Price ($)

Acquisition Closing Costs (%)

Initial Loan LTV (%)

Initial Loan Interest (%)

Rehab Duration (months)

Holding Costs During Rehab ($)

Initial loan amount and down payment are auto-calculated from purchase price and initial LTV.

Refinance & DSCR Loan

After-Repair Value (ARV) ($)

Refi LTV (%)

Refi Interest Rate (%)

Refi Term (years)

Refi Closing Costs (%)

Points on Refi (%)

Minimum DSCR (Lender)

Target Cash-on-Cash ROI (%)

DSCR loan amount is capped by the lower of ARV × LTV and the DSCR payment constraint implied by NOI and your minimum lender DSCR.

Rehab Budget

Kitchen Remodel ($)

Bathroom Upgrade ($)

Paint & Flooring ($)

Roofing ($)

Permits & Fees ($)

Other Rehab ($)

Contingency (%)

This mirrors the workbook structure: subtotal + contingency = total rehab budget.

Rent & Operating Expenses

Gross Monthly Rent ($)

Vacancy (%)

Property Taxes ($/mo)

Insurance ($/mo)

HOA ($/mo)

Utilities (landlord-paid) ($/mo)

Maintenance (% of Rent)

CapEx Reserve (% of Rent)

Property Management (% of Rent)

Calculated Metrics

Acq Closing Costs

Initial Loan Amount

Down Payment + Closing

Total Rehab Budget

DSCR Loan Amount

DSCR Monthly P&I

Total All-In Cost

Cash Invested Pre-Refi

Cash Recovered at Refi

Equity After Refi

Monthly NOI

Annual NOI

Deal Verdict

Enter your deal numbers above.

BRRRR Quick Reference

WORKS — Meets both the minimum DSCR and target cash-on-cash return.
MARGINAL — DSCR passes but cash left in the deal weakens the annual return.
DOESN'T WORK — Refi proceeds or cash flow do not justify the structure.

Income & Expense Breakdown

Effective Rent

Operating Expenses

Fixed Expenses

Variable Expenses

Amortization Preview (First 12 Payments)

Payment #	Beginning Balance	Principal	Interest	Ending Balance	Cumulative Interest