DSCR for BRRRR
Buy. Rehab. Rent. Refinance. Repeat.
What's your goal?
Pick what you'd like to do — we'll customize from there.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
The Cycle
How BRRRR works with DSCR financing.
Buy below market
Find a distressed or undervalued property. Purchase with hard money, cash, or a fix-and-flip loan. Speed matters in competitive markets — hard money closes in 7-10 days.
Rehab and force appreciation
Renovate the property to bring it to market-ready condition. The goal: create a gap between your all-in cost and the after-repair value (ARV). Bigger gap = more equity = more capital you recover.
Rent and stabilize
Get a qualified tenant in place. The lease establishes the income that drives your DSCR ratio. Market rent from the appraiser also works if you haven’t placed a tenant yet.
Refinance with DSCR (no seasoning)
We appraise at the current market value — not your purchase price. Cash out up to 75% LTV. Because we don’t require seasoning, you don’t wait 6-12 months. Your capital is free the moment the property is stabilized.
Repeat
Take the recovered capital and do it again. Each cycle grows your portfolio without requiring new capital. This is how investors scale from 1 property to 10+ using the same initial investment.
The Math
BRRRR example with real numbers.
Here is a simplified example of how one BRRRR cycle works financially. For clarity: in a typical BRRRR, the purchase and rehab are funded by short-term capital (hard money, fix-and-flip bridge loan, private lender, or cash), and then the DSCR refinance pays off that short-term capital and recycles it into the next deal. The “capital recovered” line below reflects the DSCR loan net of the all-in acquisition + rehab cost, assuming the short-term debt is paid off at refi.
| Purchase price | $150,000 |
| Rehab cost | $35,000 |
| All-in cost | $185,000 |
| After-repair appraised value | $260,000 |
| DSCR cash-out loan (75% LTV) | $195,000 |
| Capital recovered | $10,000 (plus you keep the asset) |
| Monthly rent | $2,100 |
| Monthly PITIA (est.) | $1,650 |
| DSCR | 1.27 (qualifies for standard program) |
| Monthly cash flow | $450 |
In this scenario, you recovered all your capital plus $10K, own a cash-flowing rental producing $450/month, and can redeploy $185K+ into your next BRRRR deal.
Questions
BRRRR financing FAQs
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You purchase a below-market property (often with hard money or cash), renovate it to force appreciation, get a tenant, then do a cash-out refinance at the new appraised value to recover your capital. Then you repeat the cycle with the same money.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Ready to lower your rate?
DSCR Loans — Lower Rates Are Here.
Cash Out Refinance — More cash flow. More properties.
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.