Doing the math on a BRRR, Quick Question

[Marshall R. Mitchell]

I was doing the cash in/out math on the BRRR method manually to get a better idea of how it's all calculated. The last piece I don't hear much about but came to realize is in the last R, you have to schedule/plan for a second down payment and processing fees into the new mortgage for the refinance? Or is there a loan out there that lets you do all this work then refinance w/o additional costs? I appreciate the time.