BRRRR lending beating the seasoning period

[Allen McGlashing]

Hey Everyone, 

Has anyone ever beat the 6 month seasoning period? I need recommendations for lenders that can do a cash-out refi before the 6 month seasoning. I have reached out to 5 lenders and no luck so far

[Albert Bui]

It just depends on your strategy if you structure your acquisition correctly you can do a rate term refinance out and avoid the 6 months all together even with conventional financing. If you dont plan that upfront then you'll have to find a local or portfolio lender or non QM/DSCR loan that doesnt adhere to the 6 months seasoning to do so but by then you might be subject to higher rates and points to accomplish the same mission you had if the strategy going in was well structured.