BRRRR Refinance · No Seasoning · No Lease

Refinance Your BRRRRThe Day Rehab Is Done.No Waiting. No Lease. No Games.

No seasoning - refi on new ARV immediately after renovation
No lease required - qualify on projected market rent
No income docs - property cash flow qualifies you
DSCR as low as 0.75 - flexible qualification standards

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No credit pull · Rates within 24 hours · Consistent 28-day closings

Quick Qualify

Max LTV80%

Min Credit Score660+

Min DSCR0.75+

Seasoning RequiredNone

Lease RequiredNone

Income DocsNone

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Loan Programs

BRRRR Refinance Programs

No income docs on any DSCR program. Qualify on rental income only.

StandardCompetitive rates

680+ FICOUp to 75% LTV

660 to 679 FICOUp to 70% LTV

ExpandedHigher rates · More flexibility

660+ FICOUp to 80% LTV

720+ FICOMin DSCR 0.75

Program 7Higher rates · LTR only · 1 to 4 units

650+ FICOUp to 75% LTV

500+ FICOUp to 50% LTV

Section 8 & Small Balance Loans Welcome

We fund Section 8 rental properties and small balance loans that most lenders won't touch.

Min property value: $75,000

Min loan amount: $50,000

Real Deal Example

How a BRRRR Refi Works

You purchased a duplex for $120,000 and invested $45,000 in rehab, total all-in cost of $165,000. Post-renovation, the property appraised at $260,000. With a BRRRR refinance at 75% LTV on the new ARV, you pull out $195,000, paying off your hard money loan and recovering most of your invested capital. No seasoning wait. No lease required. New loan: $195,000 Monthly payment at 6.5% (30yr): ~$1,232 Monthly rent: $1,800 DSCR: 1.46×, qualifies comfortably.

Deal Snapshot

Purchase Price

$120,000

Rehab Cost

$45,000

New ARV

$260,000

Cash-Out at 75% LTV

$195,000

DSCR

1.46×

Closed in 28 Days ✓