5.0 on Google BRRRR · Fix to rent · One lender

BRRRR loans: buy, rehab, rent, refinance, repeat.

The BRRRR method in two loans from one lender: a fix & flip loan for the purchase and the renovation, then a 30-year DSCR cash-out refinance on the rent, up to 80% of the new value — so the cash you put in can come back out for the next one.

Start your application Generate your term sheet in seconds
One lender, both loans No tax returns Draws funded in minutes
BRRRR · the two loans As of November 2026
Buy & rehabup to 90% of purchase
Rehabup to 100%, in draws
Rate from8.99%* (Silver)
RefinanceDSCR cash-out up to 80%
Qualify onThe rent, not your tax returns
Hold30-year fixed · ARM · IO
Each loan’s own terms; maximums for well-qualified borrowers. See the fix & flip programs →
01How it works

The five steps, and which loan does each.

One team from the purchase to the refinance.

1

Buy

A fix & flip loan funds up to 90% of the purchase on Silver, more on Max Leverage.

2

Rehab

Up to 100% of the renovation, released in draws we run in-house and fund in minutes.

3

Rent

Lease it up. The rent is what the next loan is decided on.

4

Refinance

A DSCR cash-out refinance up to 80% of the new value pays off the first loan.

5

Repeat

The cash that comes back goes into the next property.

02A worked example

One BRRRR deal, in dollars.

The same property through both loans.

Purchase price$200,000
Rehab budget$50,000
First loan (Silver: 90% of purchase + 100% of rehab, its ceilings applied)$230,000
Cash you put in, before costs$20,000
Value once renovated and rented$350,000
Refinance: up to 80% of value$280,000
Cash back after paying off the first loan, before costs$50,000

Example figures, not a quote. The refinance must be supported by the rent, seasoning rules apply, and closing costs come out of both loans.

Good to know

BRRRR questions

What is the BRRRR method?

Buy, rehab, rent, refinance, repeat: buy a property that needs work, renovate it, rent it out, refinance it on its new value and rent, and use the cash that comes back for the next one.

What loans do I need for BRRRR?

Two: a short-term loan for the purchase and renovation, and a long-term rental loan to refinance it. We do both, so one team carries the deal from the purchase to the refinance.

How much cash can I get back on the refinance?

Up to 80% of the property’s new appraised value, less the payoff of the first loan and the costs, provided the rent covers the new payment.

How soon can I refinance?

As soon as the work is done and the property is rented. We have no waiting period for the cash-out refinance; how long you have owned it is still part of the refinance terms (seasoning). Tell us the dates and we will tell you how it sizes.

Do I need tax returns?

No, for either loan. The first is decided on the deal and the budget, the second on the rent.

Can I do BRRRR in an LLC?

Yes. Most investors hold BRRRR properties in an LLC, on both loans.

Stop paying the middleman. Go direct.

Running a BRRRR? Send us the deal.

The purchase, the budget and the rent you expect — we’ll lay out both loans.

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*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.