I am trying to analyze a BRRRR deal and factor in the cost of hard money as well as find what the deal looks like after refinancing but I feel like I should separate them and used the rental calc and then the brrrr calc... I just want to make sure my numbers are right and the deal works. I want to be able to put in the 10-20% for hard money interest-only payments and then also the refi at 5% for the mortgage to see what it all looks like.