Refinance Blueprint · 75% ARV Cash-Out · Investment Property Loan — Compare DSCR, Bridge & Portfolio Financing Across 2,404 Lenders

BRRRR Method DSCR Refinance & Delayed Financing Strategy (2026)

Direct Strategy Summary: The BRRRR Method (Buy, Rehab, Rent, Refinance, Repeat) pairs short-term RTL bridge acquisition debt (up to 90% LTC / 100% rehab draws) with a 30-year fixed DSCR cash-out refinance at 75% of new appraised After-Repair Value (ARV) once rehab is complete and the 90–180 day title seasoning window is satisfied.

Acquisition & Rehab Leg

Up to 90% LTC / 75% ARV

12-month interest-only RTL bridge with 100% Dutch/non-Dutch rehab holdback.

DSCR Takeout LTV Cap

75% LTV on New ARV

Full C2/C3 interior/exterior appraisal + Form 1007 rent schedule.

Title Seasoning Window

90–180 Days From Deed

Under 90 days typically capped at 100% of documented acquisition + HUD rehab cost.

Minimum Credit & DSCR

680+ FICO · 1.10x DSCR

Executed lease or 100% Form 1007 market rent on recently renovated vacant units.

Step-by-Step Underwriting & Execution Sequence

STEP 01

Acquire Distressed Asset Below 70% of ARV

Close in a single-purpose LLC using all-cash or a 12-month Fix-and-Flip / Bridge note with 9-division scope of work.

STEP 02

Complete Value-Add Renovation & Document Permits

Retain paid contractor invoices, lien waivers, before/after photos, and municipal final inspection sign-offs for the appraiser.

STEP 03

Execute Market-Rate Lease or Form 1007 Schedule

Place a tenant at market rent or order a Form 1007 Single-Family Comparable Rent Schedule to prove ≥ 1.15x DSCR.

STEP 04

Refinance Into 30-Year Fixed DSCR at 75% of ARV

Pay off the bridge note and pull tax-free equity proceeds back into your LLC treasury to repeat the cycle.

Frequently Asked Underwriting Questions

Can I use the new appraised ARV before 6 months of ownership on a BRRRR refinance?

Yes. Select wholesale DSCR conduits allow full appraised value after 90 days of title seasoning when you provide a documented rehab scope of work, paid invoices, and before/after photos proving value-add improvements.

Does a BRRRR cash-out refinance require personal tax returns or W-2s?

No. The 30-year DSCR takeout loan is underwritten strictly on the property Form 1007 market rent or executed lease divided by proposed PITIA.

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