All Forum Posts by: Nick Bednarczyk

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For BRRRR investors, seasoning requirements can significantly impact your ability to quickly recycle your capital.

While most lenders require you to hold the loan for at least 6 months (aka "seasoning"), Edge Home Finance offers cash-out refinancing as soon as the rehab is completed!

Here's why Edge Home Finance is the preferred BRRRR lender for investors looking to put their money back to work quickly and scale their business:

1. BUY - Edge offers short-term bridge financing to help you with investment property acquisition.
2. REHAB - With up to 100% rehab financing, you can stay liquid through renovations.
3. RENT - While many lenders require a renter to be in place, we use a 1007 appraisal for vacant properties and can refi the property into a DSCR loan whether or not you have a tenant.
4. REFINANCE - With no seasoning requirements you can refi and pull cash out once rehab is complete, rather than waiting the typical 6-12 months that most lenders require.
5. REPEAT - Use those cash-out funds to put your money back to work and scale your business.

Partner with a lender who understands the needs of BRRRR investors! Our loan products are here to help you through each stage - shoot me a message or give me a call to get started.

Call Today at 941-266-7995 or

Meeting Calendar: calendly.com/nick_bednarczyk

Best regards,

For BRRRR investors, seasoning requirements can significantly impact your ability to quickly recycle your capital.

While most lenders require you to hold the loan for at least 6 months (aka "seasoning"), Edge Home Finance offers cash-out refinancing as soon as the rehab is completed!

Here's why Edge Home Finance is the preferred BRRRR lender for investors looking to put their money back to work quickly and scale their business:

1. BUY - Edge offers short-term bridge financing to help you with investment property acquisition.
2. REHAB - With up to 100% rehab financing, you can stay liquid through renovations.
3. RENT - While many lenders require a renter to be in place, we use a 1007 appraisal for vacant properties and can refi the property into a DSCR loan whether or not you have a tenant.
4. REFINANCE - With no seasoning requirements you can refi and pull cash out once rehab is complete, rather than waiting the typical 6-12 months that most lenders require.
5. REPEAT - Use those cash-out funds to put your money back to work and scale your business.

Partner with a lender who understands the needs of BRRRR investors! Our loan products are here to help you through each stage - shoot me a message or give me a call to get started.

Call Today at 941-266-7995 or

Meeting Calendar: calendly.com/nick_bednarczyk

Best regards,

For BRRRR investors, seasoning requirements can significantly impact your ability to quickly recycle your capital.

While most lenders require you to hold the loan for at least 6 months (aka "seasoning"), Edge Home Finance offers cash-out refinancing as soon as the rehab is completed!

Here's why Edge Home Finance is the preferred BRRRR lender for investors looking to put their money back to work quickly and scale their business:

1. BUY - Edge offers short-term bridge financing to help you with investment property acquisition.
2. REHAB - With up to 100% rehab financing, you can stay liquid through renovations.
3. RENT - While many lenders require a renter to be in place, we use a 1007 appraisal for vacant properties and can refi the property into a DSCR loan whether or not you have a tenant.
4. REFINANCE - With  no seasoning requirements you can refi and pull cash out once rehab is complete, rather than waiting the typical 6-12 months that most lenders require.
5. REPEAT - Use those cash-out funds to put your money back to work and scale your business.

Partner with a lender who understands the needs of BRRRR investors! Our loan products are here to help you through each stage - shoot me a message or give me a call to get started.

Call Today at 941-266-7995    or    

Meeting Calendar: calendly.com/nick_bednarczyk

Best regards,

Based on a refinance rate of 8.5 %. the numbers do not work to you advantage. And yes, your right ,

$ 900 a month cash flow isnt enough to live off of in any market. Many investors have started off with less and leveraged their way to financial freedom. your just not there yet. My dscr rates are started at 5.75 % and go up from there.  I'd be happy to run some numbers for you . Best regards

Ps.  By the way, the 3.5 to 4.5 % fixed rates are over. That was an anomaly. So lets all move forward together,

Dscr rates are down to a 2 year low. 

Capital Markets Commentary – September 10, 2024

Good Morning! Here is a quick update on the market for you:

Fed's almost certainly going to cut rates this month—traders are split on how big it'll be though.

Odds are at 75% for a 25-basis point cut and 25% for a 50-basis point cut. Over the next year, around 250 basis points of cuts are expected. If cuts don’t boost the economy enough, we might see shorter-dated Treasuries rallying more. Mortgage rates have been falling for four weeks, now about 90 basis points lower than last year!

Key things this week: Inflation Data

CPI drops tomorrow, PPI on Thursday—lower gas prices might cool these numbers a bit. Consumer sentiment is expected to improve with inflation easing. No Fed speakers this week since we’re in the quiet period before their meeting.

We saw wholesale inventories tick up by 0.2% in July and consumer credit jumped more than expected. Treasury’s kicking off bond auctions with a $58 billion 3-year note today. Yields are hovering around recent lows, with the 10-year at 3.697%. Stocks dipped last week after labor data disappointed. Small business optimism is down, mostly due to high inflation and weakening demand. All eyes are on tomorrow’s CPI for any hints of what's next for the market and the Fed's rate moves.

Thank you to our partners for sharing this information for us.

Capital Markets Commentary – September 10, 2024

Good Morning! Here is a quick update on the market for you:

Fed's almost certainly going to cut rates this month—traders are split on how big it'll be though.

Odds are at 75% for a 25-basis point cut and 25% for a 50-basis point cut. Over the next year, around 250 basis points of cuts are expected. If cuts don’t boost the economy enough, we might see shorter-dated Treasuries rallying more. Mortgage rates have been falling for four weeks, now about 90 basis points lower than last year!

Key things this week: Inflation Data

CPI drops tomorrow, PPI on Thursday—lower gas prices might cool these numbers a bit. Consumer sentiment is expected to improve with inflation easing. No Fed speakers this week since we’re in the quiet period before their meeting.

We saw wholesale inventories tick up by 0.2% in July and consumer credit jumped more than expected. Treasury’s kicking off bond auctions with a $58 billion 3-year note today. Yields are hovering around recent lows, with the 10-year at 3.697%. Stocks dipped last week after labor data disappointed. Small business optimism is down, mostly due to high inflation and weakening demand. All eyes are on tomorrow’s CPI for any hints of what's next for the market and the Fed's rate moves.

Thank you to our partners for sharing this information for us.