Rehab Complete.Use the New ARV Now.Program 3 Has No Ownership Wait., DSCR Cash-Out Refinance With No Seasoning After Renovation
- Program 3 can use the new ARV immediately after completed renovation
- Minimum 660 FICO, $75,000 loan, and $100,000 property value
- No executed lease required on Program 3
- Up to 80% cash-out requires 680+ FICO and is limited to eligible states
Completed renovation is the key to the true no-seasoning Program 3 path.
Get a Quote →No credit pull for the initial quote · Rates within 24 hours · Typical 28-day close with complete documentation
Get a Quote / See Your Options
The Actual No-Seasoning Rule
No Seasoning Is a Program 3 Renovation Benefit
Get Brick Capital does not claim that every DSCR cash-out refinance has no seasoning. The true no-seasoning path is Program 3 after a renovation has been completed.
Once rehab is complete, Program 3 can use the new ARV immediately. There is no ownership waiting period before that new value can be used to size the qualifying loan.
A different path, Program 1, can use a new/current ARV after at least 91 days and is generally capped at 75% LTV. Before 91 days, financing can still be possible using the original purchase/value basis.
Program 3 Requirements
What the No-Seasoning Program Actually Requires
Renovation
Completed
Min FICO
660
Min Loan
$75,000
Min Property Value
$100,000
Lease
Not Required
Outside 80% States
Generally 75% Max
Where 80% Cash-Out Is Available
Program 3 can reach up to 80% cash-out LTV at 680+ FICO in AL, CO, GA, ME, MI, MS, MO, NC, NH, PA, TN, TX, VA, and WA. Outside those states, Program 3 is generally capped at 75% LTV. Other file-level overlays can reduce the final maximum.
No-Seasoning Cash-Out FAQ
Renovation Complete? See the Program 3 Terms.
No credit pull for the initial quote. Rates within 24 hours.
Related Loan Programs
BRRRR Refinance
Program 3 can use the new ARV immediately after rehab.
Learn More →Small Balance$50,000 Minimum Loan
A separate Program 1 option with different seasoning and lease rules.
Learn More →Pull EquityCash-Out Refinance
Compare Program 1, Program 3, and Program 7 cash-out paths.
Learn More →Best OfBest No-Seasoning DSCR Lender
Compare the no-seasoning path with the 91-day new-ARV path.
Learn More →