BRRRR Strategy Loans
Buy, rehab, rent, refinance, repeat.
Bridge into the deal with our short-term bridge loan, stabilize it, then refinance through a 30-year DSCR loan. This is the best fit for investors who want one referral partner to quarterback both sides of the BRRRR process.
Rate Range
Bridge 9.90%+ / DSCR 5.50%+
Max LTV/LTC
90% LTC bridge / 70-75% ARV refi
Loan Term
Bridge 12–18 mo → 30-yr hold
Min Loan
$75,000
Do You Qualify?
How This Works in Practice
You buy, rehab, and stabilize a property with bridge money, then transition it into long-term DSCR debt to pull capital back out and repeat. CPL helps manage the lender handoff from bridge to hold strategy.
Ready to run the numbers on your deal?
Start ApplicationBRRRR Strategy Loan FAQ
You start with a bridge loan to acquire and renovate the property. Once the property is stabilized and rented, you refinance into a DSCR loan for the long-term hold. We quarterback both sides of the transaction so nothing is lost in the handoff between lenders.
The bridge loan requires a minimum 600 credit score. The DSCR refinance requires a minimum 640. Both are evaluated based on the property and deal structure, not your personal income.
The bridge loan term is typically 6-18 months. You need the property stabilized (leased) and seasoned before the DSCR refinance. We'll structure the bridge timeline with your refi target in mind.
For the bridge side, we lend up to 90% of total project cost (LTC). For the DSCR refi, we lend up to 70-75% of ARV (after-repair value). To pull all your capital out, you need your cost basis to be below 70% of ARV — the classic BRRRR target.
Yes — this is a cash-out refinance scenario. If you've already purchased and rehabbed a property using your own funds, you can refinance it into a DSCR loan to pull out your equity and redeploy into the next deal.
Have a BRRRR Strategy deal on your desk?
Submit your application in under 5 minutes. We review every deal personally and respond within 2 business hours.
Apply Now — It's Free