What's the BRRRR strategy?

Buy, Rehab, Rent, Refinance, Repeat. Acquire a distressed property with short-term financing, rehab it, get it rented, then cash-out refinance at 75% of the new stabilized value. Done well, your total cash in the deal after refi is near zero — freeing capital for the next acquisition.

How does BRRRR financing work differently than fix-and-flip?

Fix-and-flip assumes you'll sell the property within 6–18 months. BRRRR assumes you'll hold, so the initial loan is often interest-only with a longer term (24+ months) to allow time for stabilization, AND the end state is a DSCR cash-out refi rather than a sale.

Investor & Bridge

Bridge / Hard Money

Fix & Hold (BRRRR)

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

Acquisition + rehab financing structured for BRRRR strategy — bridge to DSCR takeout.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (213) 880-8107

660

Min FICO

80%

Max LTV

Ideal borrower

BRRRR investors who need rehab financing then will refinance into a DSCR.

Program highlights

12–24 month term
Higher ARV-based leverage
Pairs with DSCR takeout refi

Typical uses

BRRRR acquisition + rehab

Frequently asked questions

What's the BRRRR strategy?: Buy, Rehab, Rent, Refinance, Repeat. Acquire a distressed property with short-term financing, rehab it, get it rented, then cash-out refinance at 75% of the new stabilized value. Done well, your total cash in the deal after refi is near zero — freeing capital for the next acquisition.
How does BRRRR financing work differently than fix-and-flip?: Fix-and-flip assumes you'll sell the property within 6–18 months. BRRRR assumes you'll hold, so the initial loan is often interest-only with a longer term (24+ months) to allow time for stabilization, AND the end state is a DSCR cash-out refi rather than a sale.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.