Investor tool

BRRRR Strategy
Calculator

Buy ยท Rehab ยท Rent ยท Refinance ยท Repeat. Calculate capital recycled, total ROI, and how many deals it takes to build a self-funding portfolio โ€” in Indian market conditions.

B
Buy
R
Rehab
R
Rent
R
Refinance
R
Repeat
Buy โ€” acquisition
Purchase priceโ‚น50,00,000
โ‚น
Stamp duty + registrationโ‚น3,25,000
โ‚น
Down payment (all-cash or %)โ‚น15,00,000
โ‚น
Rehab โ€” renovation
Renovation costโ‚น5,00,000
โ‚น
After repair value (ARV)โ‚น70,00,000
โ‚น
Rent โ€” income
Monthly rentโ‚น22,000
โ‚น
Annual vacancy rate5%
Annual expensesโ‚น48,000
โ‚น
Refinance โ€” cash-out
Refinance LTV %70%
Refinance interest rate9%
Refinanced loan tenure20 yrs
Number of deals to model3
BRRRR Analysis
Calculating...
Cash left in deal
โ€”
Capital recycled
โ€”
Infinite returns?
โ€”
Full deal breakdown
Purchase price
โ€”
+ Stamp duty & registration
โ€”
+ Renovation (rehab)
โ€”
= Total cash invested
โ€”
After repair value (ARV)
โ€”
Refinance loan (70% of ARV)
โ€”
โ€“ Initial loan repaid
โ€”
= Cash returned to you
โ€”
= Net cash left in deal
โ€”
Monthly rent (effective)
โ€”
โ€“ New loan EMI
โ€”
โ€“ Annual expenses / 12
โ€”
= Monthly cash flow
โ€”
BRRRR strategy โ€” frequently asked questions
What is the BRRRR strategy and does it work in India? +
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You buy an undervalued or distressed property, renovate it to increase its value, rent it out, then refinance against the higher appraised value to pull out your invested capital โ€” which you then use for the next deal. The strategy works in India but requires finding properties below market value (distressed sales, inheritance disputes, auctions), keeping renovation costs tight, and accessing a lender willing to refinance against the improved value. The key metric is how much capital you can recycle โ€” ideally 80โ€“100% of your original investment.
What LTV (loan-to-value) can I expect for a refinance in India? +
Indian banks typically offer 70โ€“80% LTV on residential property refinancing. RBI mandates a maximum LTV of 90% for loans up to โ‚น30L, 80% for loans between โ‚น30Lโ€“โ‚น75L, and 75% for loans above โ‚น75L. In practice, many banks apply conservative valuations (lower than market price), so 65โ€“75% of the bank's assessed value is a realistic expectation. Self-employed applicants often face lower LTVs. The higher the property's assessed value after renovation, the more capital you can pull out.
How do I find undervalued properties for BRRRR in India? +
BRRRR requires buying below market value โ€” typically 15โ€“25% below ARV before renovation. In India, look for: NPA (Non-Performing Asset) auctions from banks (SARFAESI auctions on e-auction portals); distressed sales from NRIs or inheritance disputes; old builder inventory with high carrying costs; properties in upcoming infrastructure corridors priced before the appreciation; and direct seller deals bypassing brokers. Tier-2 cities and developing micro-markets within Tier-1 cities (Hyderabad's peripheral areas, Pune's outskirts) offer better BRRRR opportunities than central Mumbai or Delhi.
What is "infinite returns" in the BRRRR strategy? +
Infinite returns occur when you recover 100% or more of your original cash investment through the refinance โ€” meaning you have zero capital left in the deal but still own the property and receive rental income. Since your denominator (invested capital) is zero, your return is technically infinite. For example: you invest โ‚น20L total, refinance pulls out โ‚น22L โ€” you've recovered all your capital plus โ‚น2L extra, yet you still own the property and earn rental income. This is the BRRRR ideal. In Indian markets, achieving this requires: buying at 70โ€“75% of ARV, keeping renovation ROI high, and using maximum LTV refinancing.
More PropIQ Tools & Research
55 Project Reviews ยท Builder Ratings ยท EMI Calculator ยท Stamp Duty ยท Rent vs Buy ยท RERA Check ยท Rental ROI ยท Real Estate Guides
๐Ÿก
Looking to buy, rent or sell property? We'll connect you with the right partners.