Which Calculator do I Use for my situation

[Angelina Essuman]

I’m working with a wholesaler that requires cash or hard money lender only. My plan is to purchase a rental property. I would need to use a hard money lender and the property would require limited work just to make rent ready (<10k), so not quite a rehab. Because I’m using a hard money lender I would want to refinance after I find my tenants so I’m trying to figure out which BP calculator should I use to calculate the numbers. 

the rental calculator doesn't account for a refi but the BRRRR Calculator assumes rehab so I'm confused Which to use