Header #3

Build Your Rental Portfolio Faster with BRRRR Loans

Buy. Rehab. Rent. Refinance. Repeat. Our BRRRR loan programs give real estate investors the short-term capital to acquire and renovate distressed properties — and the long-term rental loans to pull your cash back out and do it all over again.

✅ Up to 90% of purchase price + 100% of rehab costs
✅ Close in as few as 7–10 days
✅ Seamless refinance into a 30-year DSCR loan
✅ No W-2s or tax returns required

Still need help?
Let us know we can help
ASK A QUESTION
Slide

What Is a BRRRR Loan?

A BRRRR loan is financing designed specifically for the BRRRR method — Buy, Rehab, Rent, Refinance, Repeat — one of the most powerful strategies for building long-term wealth through rental real estate.
The strategy typically requires two types of investment property financing:

Short-term bridge or hard money loan: Fast, asset-based funding to purchase and renovate an undervalued property. Speed matters when competing with cash buyers, and these fix-and-rent loans close in days, not months.
Long-term rental property loan (DSCR loan): Once the property is renovated and leased, you refinance into a 30-year loan based on the property's rental income — not your personal income. A cash-out refinance at the new, higher appraised value lets you recover most or all of your invested capital.

The result? You recycle the same down payment into property after property, growing your portfolio without constantly raising new capital.
Talk to our Experts
Features

Our Commitment to You

How BRRRR Financing Works, Step by Step

1. Buy

Stretching helps alleviate muscle tightness.

Stretching helps alleviate muscle tightness and tension caused by prolonged sitting.

Use our short-term investment property loan to acquire a distressed or undervalued property. We lend based on the after-repair value (ARV), so you bring less cash to closing.

2. Rehab

Stretching increases blood flow.

Stretching increases blood flow, delivering vital nutrients, resulting in reduced fatigue.

Fund renovations with rehab draws built into your loan. Our fix and flip loan structure covers up to 100% of renovation costs.

3. Rent

Regular office stretching promotes joint mobility.

Regular office stretching promotes joint mobility and flexibility, reducing the risk of injuries.

Lease the property to a qualified tenant. Market rents at the improved value determine your refinance eligibility.

4. Refinance

Ut euismod ridiculus aliquam volutpat.

Engaging in stretching releases endorphins, natural feel-good hormones.

Replace the short-term loan with a long-term DSCR rental loan. Because DSCR loans qualify on the property's cash flow (debt service coverage ratio), there's no personal income verification — ideal for self-employed investors and those scaling quickly.

5. Repeat

Regular office stretching promotes joint mobility.

Regular office stretching promotes joint mobility and flexibility, reducing the risk of injuries.

With your capital returned through the cash-out refinance, you're ready for the next deal.

Get Quote Now
Slide

BRRRR Loan Program Highlights

Feature Bridge / Rehab Phase Refinance Phase (DSCR)
Loan amount $75K – $3M+ $75K – $3M+
Leverage Up to 90% LTC / 75% ARV Up to 80% LTV cash-out
Term 6–24 months 30-year fixed, ARM, or interest-only
Qualification Asset-based, no income docs Property cash flow (DSCR ≥ 1.0)
Credit score 660+ 660+
Closing speed 7–10 days 3–4 weeks
Property types SFR, 2–4 units, townhomes, condos SFR, 2–4 units, small multifamily, portfolios
Talk to our Experts
Steps

Browse By Location

Arkansas

Kansas City

Florida

Texas

Oklahoma

Springfield

Why Investors Choose Us for BRRRR Method Financing

  1. One lender, both phases. No scrambling for a takeout lender — your refinance is lined up before your rehab is finished, with a seasoning period as short as 3 months.
  2. Speed to close. Win deals against cash offers with reliable 7–10 day closings on hard money purchase loans.
  3. No income documentation. Qualify on the deal, not your tax returns. Perfect for full-time investors, self-employed borrowers, and LLCs.
  4. Scale without limits. No cap on the number of financed properties. Portfolio and blanket loan options available as you grow.
Real estate loans

Who BRRRR Loans Are For

New investors

New investors buying their first value-add rental property

Experienced flippers

Experienced flippers transitioning from fix-and-flip to buy-and-hold

Portfolio landlords

Portfolio landlords using cash-out refinancing to accelerate acquisitions

LLCs and partnerships

LLCs and partnerships — we lend to entities, and close in your company name

Slide

Frequently Asked Questions

What credit score do I need for a BRRRR loan?

Ans: Most programs require a 660+ FICO, though stronger scores unlock higher leverage and better rates on both the bridge loan and the DSCR refinance.

How soon can I refinance after the rehab?

Ans: Our seasoning requirement is as short as 3 months from purchase — far faster than the 6–12 months many conventional lenders require for a cash-out refinance.

What is a DSCR loan?

Ans: A Debt Service Coverage Ratio loan qualifies you based on whether the property's rent covers the mortgage payment. If your DSCR is 1.0 or higher, the property pays for itself — no W-2s, pay stubs, or tax returns needed.

Can I do BRRRR with no money down?

Ans: YWhile 100% financing is rare, high-leverage programs (90% of purchase + 100% of rehab) significantly reduce the cash you need. A strong deal with a low purchase price relative to ARV minimizes your out-of-pocket investment.

Do you lend to LLCs?

Yes — in fact, most of our investor loans close in an LLC or corporate entity, which many investors prefer for liability protection.