Buyer's Guide
Best DSCR Lender With No Seasoning
What seasoning actually means, what kinds of seasoning Get Brick Capital waives, and why it matters for hard money exits and BRRRR refinances.
A no-seasoning DSCR lender is one that refinances investment properties without requiring 6 to 12 months of prior ownership, rental history, or title seasoning. Get Brick Capital qualifies BRRRR refinances on day-one ARV, cash-out refinances with no ownership wait, and delayed financing within 180 days of an all-cash purchase, across 46 states, with no income docs.
The Four Types of DSCR Seasoning Get Brick Capital Waives
“No seasoning” can mean different things at different lenders. Here is exactly what is waived and what is not.
| Seasoning Type | Typical DSCR Lender | Get Brick Capital |
|---|---|---|
| Ownership seasoning | 6 to 12 months from purchase date | None. Refinance the day rehab is done. |
| Title seasoning (cash-out) | 6 months from acquisition | None. Delayed financing within 180 days. |
| Rental history seasoning | Lease + 1 to 6 months of rent receipts | None. Qualifies on appraiser market rent. |
| Rate-and-term seasoning | 6 months in current loan | None. Exit hard money or bridge immediately. |
When No-Seasoning Actually Matters
Hard money balloon coming due
If your hard money loan matures before standard seasoning windows close, you can't wait for a typical lender to season your file. A no-seasoning DSCR lender refinances you out before the balloon hits.
BRRRR strategy timing
The whole point of BRRRR is fast capital recycling. Six months of seasoning between acquisition and refinance halves your annual deal velocity. No-seasoning DSCR keeps the cycle running.
Cash purchase recovery
If you bought a property cash and need to pull capital back out within the first 180 days, you need a lender that does delayed financing without seasoning the cash purchase.
Post-rehab vacancy
When a property is freshly rehabbed and not yet leased, traditional rental-history seasoning is impossible. Market rent qualification replaces it.
No-Seasoning DSCR Lender FAQ
No Seasoning. No Wait.
Submit your scenario. Rates within 24 hours. No credit pull.