Question about BRRRR Calculator and Loan Amount

[Elizabeth Harding]

Hello! I have been using the BRRRR calculator to analyze some potential deals. I have watched the tutorial video and just got off the E&O webinar but a question has now arisen about cash flow. When putting in the loan amount for the refi, do you always put in 70% or do you sometimes only put in what would cover the amount of cash you already have into the property? Ideally a property would cashflow when you take out a refi at 70% ARV but what if it does cashflow but only if you take out 40-60% of ARV for example?