BRRRR financing.
Sequenced from direct lenders.
Buy. Rehab. Rent. Refinance. Repeat. BRRRR strategy financing sourced from pre-vetted direct lenders on Ask Speedy — hard money on acquisition + rehab, DSCR cash-out at stabilization. Speedy tracks both phases as one client, two fundings, two commissions.
Get on the marketplaceThe sequence
Five steps, two loans.
1
Buy
Hard money or fix-and-flip loan on the acquisition. 7-day close. Up to 90% LTC.
2
Rehab
Same loan funds 100% of rehab in draws. 3-6 months typical.
3
Rent
Property leases up. Cash flow stabilizes. 90 days at market rent.
4
Refinance
DSCR cash-out refinance pays off the hard money + pulls equity. 7-8% rate, 75-80% LTV.
5
Repeat
Equity pulled funds the next BRRRR acquisition. Cycle scales the portfolio.
FAQ
BRRRR, answered.
What does BRRRR stand for?
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It's an investor strategy where hard money funds the acquisition + rehab, the property is rented to stabilize, then refinanced into long-term DSCR financing — pulling equity to fund the next BRRRR.
What loans does a BRRRR strategy need?
Two sequential loans: (1) hard money or fix-and-flip loan for the buy + rehab phase (typically 6-12 months at 10-12% rate), and (2) DSCR cash-out refinance once the property is rented and stabilized (typically 7-8% rate, 75-80% LTV). Speedy tracks both phases as one client record.
How does Speedy sequence BRRRR financing?
Speedy tracks the original hard money loan and the property's rehab/stabilization timeline. As stabilization approaches, it surfaces the cash-out refinance opportunity and routes the package to direct DSCR lenders. One ISO deal, two fundings, two commissions.
What is the seasoning requirement for BRRRR refinance?
Most direct DSCR lenders require 0-90 days seasoning before refinancing based on the new (post-rehab) value. 90-day seasoning is most common. Some no-seasoning programs exist for clean files with strong DSCR coverage.