Last updated: July 9, 2026
We do not publish a rate sheet because rates change weekly with the bond market, and your specific rate depends on several factors unique to your deal, mainly your credit score, your loan-to-value, and your DSCR ratio. Any number posted on a web page would be wrong by the time you read it. The real answer to "what are your no-seasoning refinance rates" is a par quote on your actual scenario, free, with no credit pull.
Why We Don't Publish No-Seasoning Refinance Rates
Because a single published rate would be misleading. There is no one rate. There is a rate for your FICO, your loan-to-value, your property, and the market on the day you lock. A teaser number on a page assumes a best-case borrower, and most real deals do not match it.
Instead of advertising a rate you probably will not get, we quote your real scenario. You send the details, we return the actual par rate, and you decide from there. No credit pull is required to see it, so there is no cost and no ding to your report just to compare.
How No-Seasoning DSCR Rates Are Priced
At par. Get Brick Capital gives investors direct-to-wholesale access to DSCR loans, and your initial quote is always at par, which means no markup is hidden inside the rate. We match your scenario directly to wholesale capital partners rather than marking up a retail rate.
Our compensation is transparent and separate from the rate: an origination fee of 1.5% of the loan amount, with a $2,000 minimum, paid to Get Brick Capital, plus a one-time $299 processing fee charged only after you accept terms. Because the rate carries no hidden markup, you see the real cost and the real rate side by side. The same logic drives our no-seasoning cash-out refinances.
Par simply means the wholesale rate with nothing added on top. A retail shop typically marks that wholesale rate up and keeps the spread, which is why the number they quote and the number they pay can differ. Pricing at par removes that spread, so the rate you are quoted is the rate the capital partner is actually offering, and our fee is disclosed separately rather than buried inside it.
Does No Seasoning Cost You a Higher Rate?
No. Waiving the seasoning wait does not add to your rate. A no-seasoning refinance is priced on the same basis as a seasoned one, so you are not paying a premium for speed. Your rate is driven by your credit, your loan-to-value, and your DSCR ratio, not by how recently you bought the property.
This is the part borrowers often get backwards. They assume the faster, more flexible option must cost more. With DSCR pricing at par, the no-seasoning path simply removes a waiting period. It does not attach a surcharge to your rate.
If anything, moving faster tends to help your economics, not hurt them. The sooner you refinance, the sooner you stop paying the higher carrying cost of whatever short-term financing you used to acquire and renovate the property. A no-seasoning refinance at a normal par rate almost always beats a seasoned refinance you had to wait months of bridge interest to reach.
What Moves Your Rate?
Three factors move your rate the most: your credit score, your loan-to-value, and your DSCR ratio. Each one is a lever you can sometimes pull before you ever submit a deal.
- Credit score: higher FICO, lower rate. The floor is 660 on standard programs and as low as 500 on the expanded tier at reduced LTV, with the strongest pricing at 720 and above.
- Loan-to-value: the more equity you leave in, the lower the rate. Cash-out and BRRRR refinances go up to 80% LTV on the expanded tier, and a lower LTV prices better.
- DSCR ratio: the more the rent covers the payment, the lower the rate. The expanded tier goes down to a 0.75 ratio, but a 1.15 or higher ratio prices stronger.
Loan size and property type play a smaller supporting role as well, which is why two deals with identical credit can still price a little differently. You can model how the main levers interact before you submit. Our DSCR calculator runs your rent, payment, and value in real time so you can see where your ratio and LTV land.
How to Get the Lowest No-Seasoning Refinance Rate
Three moves lower your rate the most, and all three are within your control before you submit:
- Raise your FICO. Even a tier jump, for example from the 660s into the 700s, can move your pricing. Clearing small balances and disputing errors before you apply helps.
- Leave more equity in. A lower loan-to-value prices better. If your goal is the rate rather than maximum cash out, requesting a lower LTV can pay for itself over the life of the loan.
- Strengthen your DSCR. Accurate market rent on the appraisal and a lower payment structure lift your ratio, and a higher ratio prices stronger.
You do not have to guess at any of this. Send your scenario and we will show you where each lever lands your par rate, then you decide which ones are worth pulling.
Should You Buy the Rate Down or Roll Costs In?
You choose. Because we price at par, you decide how to handle costs. You can buy the rate down, or you can roll costs into the loan for a slightly higher rate.
A buydown is paid directly to the capital partner at closing and lowers your rate. Rolling costs in raises your rate slightly, and in that case our fee is paid through the capital partner instead of on your closing statement. The fee is the same either way. You simply pick the path that fits your cash position and how long you plan to hold the property.
Why "0% Closing Cost" Offers Cost More
Be wary of any offer advertising 0% fees. Those fees are not gone. They are hidden inside a higher rate that you pay for the entire life of the loan.
Par pricing plus a transparent fee is almost always cheaper over any realistic hold than a "free" offer that buries the cost in the rate. When you compare quotes, compare the rate and the fees together, not one in isolation, and ask where the fee actually lives.
Want Your Actual Rate?
Send your scenario and get a par quote. Free, no credit pull.
Submit Deal Summary →The Real Cost of Waiting for Seasoning
Even at a great rate, waiting for seasoning has a price. The cost is your trapped equity and a delayed next deal. Consider the illustrative BRRRR example below. These are example figures for illustration, not a quote.
A property has an after-repair value of $150,000 and is refinanced at 75% LTV, for a $112,500 loan. The all-in cost of purchase plus rehab was about $100,000, and the renovation is complete at month 2. With no seasoning, you refinance at month 2 and free that capital immediately. With a six-month seasoning requirement, you wait until month 6, four extra months with your equity locked in place.
Illustrative example, not a rate quote
| Item | No Seasoning | 6-Month Wait |
|---|---|---|
| Refinance eligible | Month 2 | Month 6 |
| Capital freed ($112,500) | Month 2 | Month 6 |
| Extra months on hard money | 0 | 4 |
| Hard money carry at an illustrative 11% on ~$100,000 | $0 | ~$3,667 |
| Equity available to redeploy | $112,500 at month 2 | $0 until month 6 |
| Next BRRRR cycle can start | Month 2 | Month 6 |
At roughly $100,000 held on hard money at an illustrative 11%, four extra months costs about $3,667 in carry. Then add the opportunity cost of the next deal you could not start because your capital was locked. Over a year, no seasoning supports four to six cycles instead of one or two. The rate matters, but the seasoning clock can cost far more than a fraction of a point ever will.
The way to avoid the cost entirely is to remove the wait. A no-seasoning refinance lets you recover that capital the moment the appraisal supports it, so the equity in the table above comes back to work at month 2 instead of month 6. If speed is the point of your strategy, the no-seasoning policy is worth more attention than a small difference in rate.
The Bottom Line on No-Seasoning Rates
There is no honest way to post a single no-seasoning refinance rate, because your rate is built from your credit, your LTV, and your DSCR against a market that moves every week. What we can promise is the pricing model: at par, with a transparent fee, and no surcharge for skipping the seasoning wait.
If you are new to the concept, our guide on what seasoning means in mortgage lending breaks down the rules. When you are ready for a real number, submit your scenario and we will return a par quote. It is free and there is no credit pull.