No Seasoning.No Waiting.Cash-Out When You're Ready., DSCR Lender With No Seasoning on Cash-Out Refinances
- Zero seasoning requirement: refinance the day rehab is done
- No 3-month, 6-month, or 12-month waiting period
- Cash-out based on new appraised value immediately
- No income docs: close in LLC in 28 days
Done waiting for seasoning requirements that don't apply to DSCR? Submit your deal today.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Seasoning Requirements Are a Fannie Mae Rule: Not a DSCR Rule
In April 2023, Fannie Mae extended the seasoning requirement for conventional investment property cash-out refinances to 12 months. This locked capital in properties for a full year before investors could recycle it: effectively cutting BRRRR deal velocity in half.
DSCR lenders are private lenders not bound by Fannie Mae guidelines. At Get Brick Capital, there is no seasoning requirement. You can cash-out refinance the day renovation is complete. For how these no-seasoning refinances are priced, see our guide on no-seasoning refinance rates.
The competitive advantage is significant: an investor who refinances at day 30 instead of month 6 deploys that capital into a new deal 5 months earlier, potentially completing 2 BRRRR cycles in the time a conventional lender allows 1.
Requirements
What You Need to Qualify
Seasoning Required
None
Min Credit Score
660 FICO
Max LTV
Up to 80%
Min DSCR
0.75+ (Expanded)
Income Docs
None
Avg Close Time
28 Days
No Seasoning Cash-Out FAQ
Done Waiting on Seasoning?
No waiting period. Submit your deal today.
Related Loan Programs
BRRRR Refinance
Full BRRRR program, zero seasoning.
Learn More →Same DaySame Day Rehab Done
Refinance the day renovation finishes.
Learn More →Pull EquityCash-Out Refinance
Cash-out on any rental. No income docs required.
Learn More →Best OfBest No-Seasoning DSCR Lender
How to pick a DSCR lender with no seasoning requirement.
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