LNB CAPITAL FUNDING LLC

BRRRR Deal Analyzer

Buy. Rehab. Rent. Refinance. Repeat. Estimate cash recovered, cash left invested and rental cash flow.

1. Purchase & Rehab

Purchase Price ($)

Rehab Budget ($)

Rehab Contingency (%)

Estimated Renovated Value ($)

2. Initial Financing

Initial Loan Amount ($)

Assumes the full amount is funded and interest-only.

Annual Interest Rate (%)

Lender + Broker Fees (%)

Combined lender and separate broker points on the initial loan.

Purchase & Other Loan Closing Costs ($)

Include processing, title, appraisal and other flat fees. Exclude points and refinance costs.

3. Holding Costs Before Refinance

Months Until Refinance

Initial-loan interest is included. Don’t add prepaid interest for the same days.

Monthly Property Taxes ($)

Monthly Insurance ($)

Monthly Utilities / Maintenance ($)

Other Monthly Holding Costs ($)

Total Net Rental Income Before Refinance ($)

Optional: income after operating expenses. Do not count expenses here and again above.

4. Expected Rental Income & Expenses After Refinance

Rental Income

Monthly Rent ($)

Other Monthly Rental Income ($)

Rental Expenses & Reserves

Vacancy Allowance (%)

Applied to rent plus other rental income.

Monthly Rental Property Taxes ($)

Monthly Rental Insurance ($)

Maintenance Reserve (% of Rent)

Capital Expense Reserve (% of Rent)

Management (% of Collected Income)

Monthly HOA Fees ($)

Other Monthly Operating Expenses ($)

Rental Expense Planning Tips

Vacancy: Allow for time between tenants when rent isn’t collected.

Maintenance: Set aside money for routine repairs and upkeep.

Capital Expense Reserve: Save for larger replacements, such as the roof or HVAC system.

Property Management: Include the expected management fee—even if you initially manage the property yourself.

After Refinance: Use the monthly rent and expenses you expect once the property is renovated, rented, and refinanced. These figures estimate your ongoing rental cash flow.

Before Refinance: Enter costs for the earlier period in Holding Costs Before Refinance. For the rental income credit in that section, subtract only expenses you have not already entered as holding costs.

Plan for Changes: Try a lower rent, higher expenses, or a higher refinance rate to see how your monthly cash flow changes.

Use expected taxes and insurance after purchase and renovation. Your current estimates may change. A DSCR above 1 does not guarantee positive cash flow after vacancy, operating expenses, and reserves.

5. Refinance Assumptions

Refinance Loan-to-Value (%)

Value-based estimate; lender limits may reduce proceeds.

Refinance Interest Rate (%)

Loan Term (Years)

Fully amortizing principal and interest payment.

Refinance Closing Costs ($)

Include refinance lender/broker fees, processing, appraisal and title. Replace with your lender’s estimate.

Existing Loan Payoff ($)

Enter the actual expected balance, including any unpaid interest or fees.

6. BRRRR Results

Total Project Cost Before Refinance$0

Cash Invested Before Refinance$0

Estimated Refinance Loan$0

Net Refinance Proceeds / Shortfall$0

Cash Recovered at Refinance$0

Cash Left Invested$0

Additional Cash Needed at Refinance$0

Cash Above Original Investment$0

Monthly Principal & Interest$0

Monthly Rental Cash Flow$0

Annual Rental Cash Flow$0

DSCR — Rent / PITIA$0

Cash-on-Cash Return$0

Estimated Equity After Refinance$0

Initial Loan Interest$0

Cost of One Additional Holding Month$0

Cash invested assumes the initial loan funds project costs. Cash left invested includes refinance closing costs. Cash-on-cash return uses annual cash flow divided by cash left invested; it is unavailable when no cash remains invested.

DSCR shown here = gross monthly rent ÷ (principal, interest, taxes, insurance and HOA). Lenders may use a different calculation. Cash flow separately deducts vacancy, operating expenses and reserves.

7. Send LNB Capital Funding your BRRRR deal information for a funding conversation based on your project.

First & Last Name

Phone

Property State

Property Address

Experience

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Disclaimer: Estimates for informational purposes only. Actual values, costs, rent and financing terms vary. Results are not a loan offer, approval or guarantee. Refinance eligibility, seasoning, appraisal and underwriting can affect actual proceeds. Assumes full initial loan utilization, interest paid during holding, and no pre-refinance principal repayment unless reflected in the payoff entered.