The Answer
Yes: with a lender that has no seasoning requirement. DSCR loans are not bound by Fannie Mae's 12-month seasoning rule. At Get Brick Capital, you can refinance the day after purchase with no waiting period. The refinance timeline is driven by appraisal and underwriting, typically 28 days, not by how long you've owned the property.
Two Scenarios Where Immediate Refi Makes Sense
Scenario 1: BRRRR After Renovation
You purchased a distressed property with hard money, completed the renovation, and want to pull equity based on the new ARV immediately after rehab is done. No seasoning. Submit the week renovation wraps. We order the appraisal and close in 28 days: long before most hard money lenders would extend a balloon.
Scenario 2: Delayed Purchase (Cash Buyer)
You purchased with all cash and want to put a mortgage in place immediately to recoup your capital. A delayed purchase loan lets you start the process the same day as closing, or any time within the 180-day window. LTV is based on the purchase price, up to 80%.
What About LTV Calculations?
BRRRR Refi (standard post-rehab)
Loan sized on current appraised value (ARV) from day one. Bought at $150K, renovated, appraises at $260K → loan based on $260K.
Delayed Purchase (cash buyer)
Loan sized on purchase price (lower of purchase or appraisal). $200K cash purchase → up to $160K loan at 80% LTV.
No Seasoning ≠ Instant Close
No seasoning requirement means no minimum ownership period, but the loan still takes time to process. Appraisal, underwriting, and title work take approximately 28 days from application. “Immediately” means you can start the process immediately: not that it closes the same day. Plan for 28 days from submission to funding.
No Waiting Period.
Submit your deal today. We'll start the appraisal immediately.
Submit Deal Summary →Delayed Purchase: The 180-Day Window
If you're using a delayed purchase loan (cash buyer wanting to finance immediately after closing), you have 180 days from the purchase closing to complete the refinance under delayed purchase guidelines. After 180 days, the loan becomes a standard cash-out refinance: which may produce a larger loan if the property has appreciated, since the LTV would be based on the new appraised value rather than the purchase price.
The Bottom Line
With the right lender, you can start a DSCR refinance immediately after purchase: no minimum ownership period, no seasoning clock to watch. The only timeline that matters is the 28 days from application to close.