🏡 Refinancing After a Flip - Why Timing Is Everything 🏡

[Stevan Stojakovic]

🏡 You just finished a beautiful flip. The rehab is clean, the value jumped, and you’re ready to refinance and roll your profits into the next project.

Then the lender says: “We can’t use the new value yet.”

Welcome to the world of seasoning rules - where timing your refinance matters just as much as the construction itself.

Here’s what most investors miss:
Banks and even many DSCR lenders won't recognize your new appraisal until you've owned the property for at least six months. That’s title seasoning.
And if you’re planning to keep it as a rental, they’ll want to see a lease and rent deposits before they treat it as stabilized. That’s rental seasoning.

You might’ve just built $100K in equity - but if you try to refi too early, the lender ignores it and bases your loan on the original purchase price.
So instead of pulling cash, you’re stuck waiting.

Here’s how smart investors avoid that trap:
They plan the refinance timeline before demo day.
They coordinate rehab completion, tenant placement, and appraisal timing so the six-month mark and lease seasoning align perfectly.
That’s how you hit the lender’s boxes and cash out fast.

At PhoenixFunded, we specialize in this sequencing.
We know which lenders will use your improved value early, which require full seasoning, and how to bridge that gap without losing momentum.

🎥 Watch the full video: “Refinancing After a Flip - Why Timing Is Everything.”
You’ll see real investor examples, what lenders actually look for, and how to keep your capital in motion: 

📩 Send us your flip address - we’ll tell you the fastest refi route.

Because in real estate, it’s not just what you build.
It’s when you’re ready to pull your money back out. 🚀