BRRRR Loans Nationwide, $100K to $100M
🔁 Buy · Rehab · Rent · Refinance · RepeatI’m Kevin Kermeen, a nationwide commercial loan broker and a real estate investor myself, not a banker. My BRRRR loans fund the buy and the rehab on the after-repair value, then refinance you into a long-term rental loan once it’s stabilized, so you pull most of your cash back out and roll it into the next deal. One investor, the same dollars, a growing portfolio.
Investor Recovered Nearly All His Cash and Still Owned the Rental
An investor bought a distressed house with a clear $400K after-repair value, using my BRRRR loan to fund the buy and 100% of the rehab. Once it was renovated and rented, most lenders would have made him wait a year to pull cash out.
He called me. After a short seasoning period, I refinanced him into a DSCR cash-out at 75% of the new value, a $300K loan, which returned nearly all of his acquisition and rehab capital. He kept a cash-flowing rental and rolled his money into the next deal.
That is the difference between one rigid bank box and a 75-lender network. Don’t Beg the Bank! Get funded instead.
BRRRR Loans Fund the Whole Cycle, Then Hand You Your Cash Back
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. My BRRRR loans are built to power all five phases in one relationship, so BRRRR loans never leave you stranded between the buy and the refinance: short-term money to acquire and renovate on the after-repair value, then a long-term refinance once the property is rented and stabilized. The point of BRRRR loans is capital recycling … force equity through the rehab, then pull most of your money back out so the same dollars buy the next property.
Example: buy at 65% of a $400K ARV, then refinance at 75%
When the all-in cost lands near 65% of ARV and the refinance comes in at 75%, the cash-out covers most or all of what you put in, leaving you a stabilized rental at close to zero net capital. Recovering 70 to 90% of your capital is a strong BRRRR result. Numbers are illustrative, not a quote, and depend on the appraisal, the rent and current rates.
BRRRR Loans for Every Rental You Want to Keep
If your plan is to renovate and hold, not flip and sell, BRRRR loans are built for you. Here is how I structure BRRRR loans across the most common investor scenarios.
Single-Family BRRRR
Buy a distressed house, rehab it, rent it, then refinance into a long-term DSCR loan and keep the cash-flowing rental.
BRRRR Loans for 1-4 Units
Duplexes through fourplexes work the same way. More doors per deal means more rent and more recovered capital each cycle.
Cash-Out to Repeat
The whole engine. The DSCR refinance returns most of your acquisition and rehab money so you can fund the next property without fresh savings.
Slow-BRRRR Hold
In a tighter rate market, hold longer before the refinance so rents step up and equity builds. The exit is the same, the timing is yours.
Your First BRRRR
New to the strategy? With a 650 FICO, a solid deal and a real rehab budget, I can fund the buy and walk you through the refinance.
Portfolio Builders
Stacking doors deal after deal? There is no cap on how many rentals you finance, so the flywheel keeps turning as your portfolio grows.
A BRRRR loan combines two of my products. The buy and rehab run like my fix and flip loans, and the exit is a DSCR loan that qualifies on the rent. See my full investment property loans lineup, or use a bridge loan to grab a deal fast. Bigger projects? See multi-family apartment loans and commercial real estate loans. Every option lives on my loan programs page.
Tell Me About Your BRRRR DealBRRRR Loan Guidelines Most Brokers Never Show You
Transparency builds trust, especially on a loan with two phases. Below is a practical summary of the BRRRR loans I actually place. I am not a bank and I do not push one-size paper … I fund the acquisition and rehab through my hard-money and bridge network, then refinance you into a DSCR loan. Final terms depend on the property, the ARV, the rent, your credit and lender underwriting.
| Phase | Loan Type | Key Terms | Purpose |
|---|---|---|---|
| Buy and Rehab | Short-term, interest-only | Up to 90% LTC, up to 75% ARV | Acquire and renovate to force value |
| Rehab Funding | Draw holdback | Up to 100% of rehab | Released as the work is inspected |
| Refinance | DSCR long-term | Up to 75% LTV, 1.0 to 1.25 DSCR | Pull cash out, hold the rental |
| Seasoning | Time before cash-out | As little as 3 to 6 months | Faster than conventional caps |
| Repeat | Recovered capital | 70 to 90% of cash back | Fund the next acquisition |
Swipe to see all columns →
A BRRRR loan is funded in two phases: a short-term, interest-only acquisition and rehab loan sized on the after-repair value, then a long-term DSCR refinance once the property is rented and seasoned. DSCR refinances generally allow cash-out after 3 to 6 months, faster than conventional financing. Buy and rehab rates start around 9.79% with 1 to 5 points; the DSCR refinance starts around 7%. A 650 FICO is typical. Recovering 70 to 90% of your capital is a strong result, not a guarantee. Final leverage, rate and structure depend on the property, the appraisal, the rent and lender underwriting. This is not a commitment to lend.
One Relationship From the Buy to the Refinance.
The BRRRR loan only works if both phases line up. I plan the refinance before you ever buy, so you are never stuck holding expensive rehab money with no exit.
Send the Deal
The property, purchase price, rehab budget, after-repair value and the rent it will command.
I Fund the Buy
I size the acquisition and rehab on the ARV and plan your DSCR refinance exit at the same time.
Rehab and Rent
Rehab funds release in draws as work is inspected. You place a tenant and establish the income.
Refinance and Repeat
After short seasoning I refinance you into a DSCR loan, pull your cash out, and you go again.
Who These BRRRR Loans Are, and Are NOT, For
BRRRR is powerful but the math has to pencil, so I qualify honestly. If you’re on the left, call me today. If you’re on the right, I’ll point you to a better fit.
✅ This IS for you if…
- ✔You want to renovate and HOLD a rental, not flip and sell.
- ✔You can buy at roughly 65 to 70% of the after-repair value.
- ✔The finished rent will support a DSCR refinance at 1.0 or better.
- ✔You have a 650+ FICO and reserves for the hold period.
- ✔You want to recycle your capital into the next deal.
🚫 This is NOT for you if…
- ✕You plan to sell right after the rehab … that is a flip, not BRRRR.
- ✕You’re paying near full price, so there is no equity to pull out.
- ✕The rent won’t cover the refinance payment.
- ✕You have no reserves to carry the property through seasoning.
- ✕You want to live in the property … BRRRR is investment-only.
Tell Me About Your BRRRR Deal
Sixty-second BRRRR loans application. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your BRRRR loans request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent BRRRR Loans From My Desk
A snapshot of the BRRRR loans I close. Every deal is different, yours starts with a conversation.
$260K → $300K Refi, OH
Bought and rehabbed at 65% of a $400K ARV, refinanced into DSCR at 75%, recovered nearly all the cash.
$1.2M · 4-Door BRRRR, TX
Renovated a small portfolio, refinanced each door into a DSCR loan to hold and recycle capital.
$180K · First BRRRR, FL
First-timer funded on the buy and rehab, walked through the seasoning and DSCR refinance step by step.
How I Structure BRRRR Loans That Actually Close
Most brokers fund the buy and vanish before the refinance, which is where BRRRR investors get stranded. I structure BRRRR loans as one relationship from acquisition to cash-out, so the exit on your BRRRR loans is planned before you ever close on the purchase. As an investor myself, I know the refinance is the whole point, and a buy with no exit is just expensive debt, which is why BRRRR loans live or die on the refinance.
Here is how the product actually works. The first phase is short-term, interest-only money that funds the purchase and up to 100% of the rehab, sized on the after-repair value rather than the distressed price, just like a flip loan. You force equity through the renovation, place a tenant, and establish the rent. Then the second phase kicks in: a long-term DSCR refinance that qualifies on the property’s rental income, not your tax returns, and pulls cash out at up to 75% of the new value. The gap between what you put in and what you pull out is your recovered capital.
The honest part most promoters skip: BRRRR loans only pencil when you buy right, and I will not let you over-leverage into a BRRRR loan that traps your cash. The math works when your all-in cost lands near 65 to 70% of the after-repair value and the finished rent supports a DSCR of 1.0 or better. At 2026 rates, cash flow on a fresh BRRRR is often thin, which is why some investors run a Slow-BRRRR and hold longer before refinancing so rents rise and equity builds. I will run your real numbers before you buy and tell you straight whether the deal recycles your capital or traps it.
The DSCR refinance is what makes the speed possible. Conventional lenders can make you wait a year to cash out, but DSCR refinances generally allow it after 3 to 6 months of seasoning, which is why DSCR is the engine behind a fast BRRRR. Recover 70 to 90% of your capital, keep a cash-flowing rental, and roll the rest into the next door. Every deal is built around your numbers and your hold plan, not a one-size box. If you also run a business behind your investing, see my small business loans and SBA loans. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What are BRRRR loans?
How much of my cash do I get back on a BRRRR?
How long until I can refinance and pull cash out?
What rate and credit do BRRRR loans need?
What is the difference between BRRRR and fix and flip?
What does it cost to work with you?
A BRRRR Loan Advisor Who Plans the Refinance Before You Buy
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, and a real estate investor myself, not a banker. I fund both phases of the BRRRR cycle and review every BRRRR loans file personally. I’m not a bank and I don’t push one-size paper … I shop the buy and rehab across my hard-money network and line up the DSCR refinance up front, so you never get stranded between phases. For independent context, see the U.S. Census Bureau rental housing data and the Federal Reserve interest rate data.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm. I arrange BRRRR loans when you actually need them … fund the buy and 100% of the rehab, refinance into a DSCR loan after short seasoning, pull 70 to 90% of your cash back out, and a same-day callback from a broker who invests in real estate himself.
Loan amounts, leverage, rates, points, seasoning and capital-recovery figures shown are typical ranges, not guarantees. BRRRR loans are funded in two phases: a short-term, interest-only acquisition and rehab loan starting around 9.79% with 1 to 5 points, then a long-term DSCR refinance starting around 7%. Your final rates and terms are calculated on the strength of the whole application, including the property, your experience, the after-repair value and the rent, so apply for a free no-obligation quote. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed to you before you commit, and is separate from any compensation to me. BRRRR loans are for non-owner-occupied investment property only. Capital recovery of 70 to 90% and a cash-out at up to 75% of the after-repair value depend on buying well, the appraisal, the rent and lender underwriting; cash-out and DSCR seasoning rules vary by lender. This is not a commitment to lend.