There Is No Single DSCR Seasoning Rule
Seasoning determines when a capital partner will let a refinance use the property's current or after-repair value instead of the original purchase/value basis. Get Brick Capital works with multiple wholesale programs, and their seasoning rules are different.
The two key BRRRR paths:
Program 3: completed renovation can use the new ARV immediately.
Program 1: generally requires at least 91 days of ownership to use the new/current ARV for cash-out.
Program 3: True No-Seasoning After Completed Rehab
Once the renovation is complete, Program 3 can use the new ARV immediately. It has a 660 minimum FICO, a $75,000 minimum loan, and a $100,000 minimum property value. It does not require an executed lease. Qualifying 680+ borrowers can reach up to 80% cash-out LTV in the fourteen eligible states; outside those states, the program is generally capped at 75% LTV.
Program 1: New ARV After 91 Days
Program 1 can also support cash-out based on a new/current ARV, but generally only after at least 91 days of ownership. The new-ARV path is generally capped at 75% LTV, and the purchase price plus documented renovation budget must support the requested loan amount.
Program 1 is also the separate small-balance option with a $50,000 minimum loan and $75,000 minimum property value. It requires a lease, so its lower minimums should not be mixed with Program 3's no-seasoning/no-lease features.
Can You Refinance Before 91 Days if the Program Requires Seasoning?
Potentially yes. The important distinction is the value basis. Before the seasoning period is met, leverage can be based on the original purchase or original value rather than the new ARV. Once the applicable seasoning requirement is satisfied, the current or new ARV can be used subject to that program's rules.
Why This Matters for BRRRR Investors
A renovation can create substantial value quickly. If the refinance is sized from the original basis, that new equity may not be fully available yet. If the file qualifies for Program 3, the completed-rehab ARV can be used immediately. If Program 1 is the better fit, waiting until the 91-day threshold can materially change the maximum loan amount.
See Which Seasoning Rule Applies to Your File
Send the purchase date, purchase price, renovation spend, completed value, rent, payoff, and FICO range.
Get a Quote →The Bottom Line
“No seasoning” is not a universal DSCR rule. It is an important feature of Program 3 after a completed renovation. Other programs use different seasoning and value-basis rules. For the full completed-rehab structure, see the BRRRR refinance hub, or compare both ARV paths in the post-rehab cash-out guide.