BRRRR calculator — New Mexico
New Mexico investors weigh climate, water, and insurance costs alongside rent. Default rent inputs are based on HUD FMR data—desert markets are not monolithic, so underwrite to the city and property type. Same math as the national BRRRR calculator; numbers are educational—not lender instructions.
Calculator
BRRRR
Buy, rehab, rent, then refinance. Preview cash-out and stabilized performance with your assumptions.
Cash out $84,188 · Loan $206,250
Cash out
$84,188
Cash flow
-$1,025
Cap rate
1.52%
DSCR
0.25
Acquisition & rehab
Stabilized result
Cash out
$84,188
Cash left in
$0
Monthly CF
-$1,025
Cap rate
1.52%
BRRRR calculator
Interest-only during rehab, then refinance at ARV. Outputs are illustrative—verify with your lender and local costs.
After refinance
Cash out at refi
$84,188
Cash left in deal
$0
After estimated refi proceeds vs. cash invested
Monthly cash flow
-$1,025
Cap rate (vs ARV)
1.52%
DSCR
0.25
Tight coverage
Cash-on-cash
—
No equity left in—verify refi math
New loan $206,250 · Payment $1,372/mo · Holding interest $4,000
Frequently asked questions
- What is BRRRR in real estate investing?
- BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat: acquire a property, improve it, lease it, refinance into a new loan often sized to after-repair value, and redeploy capital. This calculator models interest-only rehab financing and a cash-out refinance at your stated ARV and LTV.
- How is refinance cash-out estimated here?
- The model applies your refinance LTV to ARV to estimate a new loan amount, then pays off the acquisition loan balance. Proceeds are before closing costs and reserves—add those in your own underwriting.
- Will my lender approve these numbers?
- No. Outputs are educational; lenders use their own appraisal, DSCR, and underwriting rules. Confirm terms, reserves, taxes, and insurance with your lender before relying on any scenario.
Real estate investing in New Mexico
Real estate investing in New Mexico
Short-term rental rules vary. If STR is part of your plan, confirm compliance outside this tool.
- Typical 2BR rent
- ~$1,050/mo
- Effective property tax
- ~0.80% of home value
- State income tax
- Up to 5.9%
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for New Mexico: STR vs LTR Calculator · Fix and Flip Calculator. All calculators · Investment property calculator