One thing I’ve noticed talking with investors is that many refinance problems start long before they ever apply for a loan. The property gets purchased. The rehab gets completed. The rents are in place. Everything seems ready for the refinance… Then the lender starts asking questions. I’ve seen investors create tens of thousands in equity but struggle to access it because the documentation wasn’t organized from day one. For those using the BRRRR strategy, the refinance is where a lot of the magic happens. If that piece falls apart, it can slow down your ability to scale.