The Situation
You completed your BRRRR renovation. The property is rent-ready. Your hard money or bridge loan is costing you 10–12% per month. And your lender won't refinance until you've owned the property for six months. You're losing money every day you wait, and you have options.
Why Some DSCR Lenders Have Seasoning Requirements
DSCR lenders are not required by any regulatory body to have seasoning requirements. The restriction is a Fannie Mae guideline, and DSCR lenders are private lenders not subject to Fannie Mae rules. A 6-month seasoning requirement on a DSCR lender is a conservative internal policy decision, not a legal or regulatory requirement. It exists because the lender chose to adopt it.
Some lenders adopted seasoning requirements to reduce fraud risk (flips disguised as BRRRR), to reduce exposure to declining markets, or simply because they copied conventional underwriting guidelines without examining whether they applied to DSCR. Whatever the reason, the requirement isn't universal.
The Timeline Impact of 0 vs 6 Months
Six months of additional hard money at 12% interest-only on a $150,000 balance = $9,000 in extra interest. That's the direct cost. The indirect cost is greater: capital you can't deploy into the next deal. An investor who can complete 3 BRRRR cycles per year instead of 2 builds a meaningfully larger portfolio over 5 years from the same starting capital.
No 6-Month Wait Here.
Submit your deal. We have no seasoning requirement. Close in 28 days.
Submit Deal Summary →Is Switching Lenders Mid-Deal Worth It?
The math is usually yes. If you've been quoted a 6-month seasoning requirement, switching lenders means: submitting to a no-seasoning lender, waiting ~28 days for the new lender to close, and paying off the hard money with the new loan proceeds. The switching cost is approximately one month of processing time. The savings from not waiting 6 months typically far outweigh that one month.
One note: confirm there is no prepayment penalty on your existing hard money loan before switching. Most hard money lenders don't charge prepayment penalties, but confirm.
Your Immediate Next Step
Submit your deal to Get Brick Capital via the intake form. Include your property address, current hard money balance, estimated ARV, monthly rent or market rent, and credit score range. No credit pull. We send your rate within 24 hours. If the rate works, we close in 28 days. Your 6-month wait disappears.