Single-point BRRRR-style snapshot. Compares total cash in (purchase + acquisition costs + refurb) against a refinance loan based on post-refurb value and LTV. Returns the implied capital left in the deal and the post-refinance equity slice.
BRRRR cash snapshot calculator
Single-point BRRRR-style snapshot. Compares total cash in (purchase + acquisition costs + refurb) against a refinance loan based on post-refurb value and LTV. Returns the implied capital left in the deal and the post-refinance equity slice.
Inputs
- Purchase price (GBP): Headline purchase price.
- Acquisition costs (GBP): SDLT, legals, broker, survey, finance fees, etc.
- Refurbishment (GBP): All-in refurbishment spend including contingency.
- Post-refurb value (GBP): Expected GDV after the works.
- Refinance LTV (percent): LTV the refinance lender is expected to support.
Outputs
- Total cash in (GBP)
- Refinance loan (GBP)
- Net after refinance (cash left in) (GBP)
- Equity after refinance (GBP)
Calculation formula and denominator
Cash left in = total acquisition and works cash − refinance proceeds after repaying acquisition finance. Trapped-capital ratio = cash left in ÷ total cash invested.
How to Use This Calculator
- Enter the purchase price, all acquisition costs, and your refurbishment budget (including contingency).
- Enter the expected post-refurb valuation (GDV) and the refinance LTV the lender is expected to support.
- Read totalIn (cash stack), refinanceLoan, netAfterRefi (positive = capital still trapped), and equity remaining after refinance.
- Stress the GDV downward and the LTV downward to see how much cash gets trapped if the valuation comes in light.
Worked example
If total cash invested is £80,000 and refinance proceeds return £60,000 after debt, cash left in is £20,000 and the trapped-capital ratio is 25%.
Method and sources
Reviewed: 26 August 2026
- Build the acquisition and works stack.
- Enter an evidence-backed post-works value and refinance LTV.
- Stress valuation, rent and completion delay before relying on the base case.
Sources
Assumptions and limitations
- A post-works valuation and refinance are not guaranteed.
- The snapshot does not replace lender, surveyor or tax advice.
