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ANAHEIM RATE & HOLDING-PERIOD DESK

Recover the capital.
Keep the debt in view.

Follow purchase, rehab, refinance and rental cash through one project.

YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

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Investment & selling

BRRRR capital and refinance plan

Connect purchase, cash-funded rehab, holding, refinance and the first operating year.

Fine-tune the details 9 more assumptions +

These assumptions are part of the result even when this panel is closed. Review them for your situation.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-24.2
Net cash left in the project$13,000
Cash contributed before refinance$118,500
Cash returned at refinance$105,500
Additional cash needed at refinance$0
New refinance loan$262,500
Entered value less new loan$87,500
Average monthly rental cash after reserve$397
First operating-year cash after reserve$4,770
Cash return on positive cash left36.69%
NOI / entered debt service1.33×

Refinancing returns borrowed money, not sale profit. No appraisal, loan approval, lender LTV/DSCR rule, rehab draw funding, personal tax or repeat transaction is inferred. Enter carrying costs without debt service to avoid double counting. Cash return is unavailable when net cash left is zero or negative; no infinite-return sentinel is used.

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A SMALL CHANGE / A DIFFERENT VIEW

Rehab spends another $10,000

Net cash left in the project

Current scenario$13,000
Changed assumption$23,000

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. Refinance proceeds first repay purchase debt and refinancing costs. Gross proceeds are not cash returned to the owner.
  2. Negative net cash left means the refinance returned more than the entered cash budget; it does not establish profit.
  3. A low cash amount left in the property can sit beside weak or negative rental cash flow. Review both.
A GOOD QUESTION

Is recovering all my cash an infinite return?

No. This model leaves the cash-return percentage unavailable when its cash-left denominator is zero or negative. The refinance creates a new loan; the value assumption, debt, closing cash requirement and ongoing rental operation all still need review.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

The calculation

Assume the purchase loan is fully advanced and interest-only until the entered refinance month; rehab and buying charges are paid in cash at the start. Refinance proceeds first pay that loan and refinance charges. Model twelve subsequent rental months with vacancy, operating costs, capital reserve and fixed mortgage payments.

Before acting on the result

Refinancing returns borrowed money, not sale profit. No appraisal, loan approval, lender LTV/DSCR rule, rehab draw funding, personal tax or repeat transaction is inferred. Enter carrying costs without debt service to avoid double counting. Cash return is unavailable when net cash left is zero or negative; no infinite-return sentinel is used.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

YOUR NEXT STEP / MITEY U.S.

A number is a start.
Make the next step clearer.

Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.

01 · Your calculator stays free02 · Share only what you choose03 · No loan application or credit check

This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.

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About: BRRRR capital and refinance plan · Anaheim

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