Rehab Done.No Tenant Yet.Still Qualifies.
- Qualify on projected market rent: no lease needed
- Refinance on new ARV immediately after renovation
- No income docs, W-2s, or tax returns required
- Close in 28 days: start earning rent and building equity
Share your ARV and property details: we'll get you rates within 24 hours without a credit pull.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Most Lenders Want a Lease First. We Don't.
Traditional lenders require 6–12 months of rental history or an executed lease before they'll refinance. That means you're stuck in your short-term loan while you find a tenant, paying higher rates every month. We use the appraiser's market rent opinion to calculate DSCR. No tenant, no lease, no problem. Refinance the week your rehab is done and lock in a 30-year rate.
Requirements
What You Need to Qualify
Min Credit Score
660 FICO
Max LTV on New ARV
Up to 80%
Min DSCR
0.75+ (Expanded)
Lease Required
No
Seasoning Required
None
Income Verification
None
Post-Rehab Refi FAQ
Refinance Before You Find a Tenant.
No credit pull. Rates within 24 hours. Consistent 28-day closings.