Updated 5 months ago on .
We Just Pulled Off a BRRRR With Zero Seasoning — Yes, It’s Possible
Most lenders make you wait six months before you can access your equity.
One of my Seattle investors didn’t have that kind of time.
They bought a duplex, renovated quickly, filled the units, and were ready to roll the capital into deal #2.
A traditional lender would've hit them with the classic: “Congrats… now wait half a year.”
Instead, we used an updated DSCR program with no seasoning requirement and refinanced immediately.
They walked away with cash in hand and wrote their next offer the same week.
That’s the difference between losing momentum and stacking wins.
Why This Matters
Most BRRRRs stall at the refinance step. This structure removes the bottleneck so you can:
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Move faster
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Recycle capital immediately
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Reposition assets without waiting six months
DSCR Program Highlights
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No 6-month seasoning from acquisition
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Cash-out or rate-and-term refis
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Works with conventional + non-QM (guideline dependent)
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Newly purchased properties qualify for equity-based refi
Cash-Out Details
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Cash-out funds can satisfy reserve requirements
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Up to 80% LTV with qualifying income
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DSCR-eligible
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Up to $3M cash-in-hand below 65% LTV
Want to Run a BRRRR Scenario?
If you're curious whether your latest deal qualifies — or you just want a faster BRRRR cycle — send me a message and I'll map it out with you.