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BRRRR Refinance & Hard Money Exit
Plan a refinance after buying, rehabbing, and renting an investment property. Review DSCR, seasoning, payoff costs, and the transition out of hard money.
Business-purpose investment financing. Options are subject to lender and property review.
Plan the refinance before the bridge loan matures
The BRRRR sequence—buy, rehab, rent, refinance, repeat—depends on the permanent loan working after renovation. Review expected rent, appraised value, total basis, and payoff obligations before assuming the refinance will return your invested capital. A higher value alone does not guarantee enough supported debt.
Move from renovation risk to rental cash flow
A DSCR exit generally requires a rental scenario the selected lender can underwrite. Discuss completion status, leases, accepted income, appraisal requirements, and any ownership or seasoning rules. Start the takeout review while there is still time to address missing documents or a funding gap.
Separate debt replacement from cash out
Refinancing out of hard money may be a rate-and-term transaction or involve cash out, depending on the lender's classification and proceeds. Include unpaid interest, fees, prepayment charges, and closing costs in your payoff estimate. Keep a contingency plan if the appraised value or supported rent is lower than expected.
Questions before you apply
Can I refinance immediately after rehab?
Timing depends on completion, valuation, rental-income documentation, ownership seasoning, and the selected lender's rules. No universal immediate-refinance promise applies.
Will I get all my cash back?
Not necessarily. Supported loan proceeds must cover existing debt and costs, and are constrained by lender underwriting. Use conservative rent and value assumptions and budget for cash remaining in the deal.
Explore financing for your investment strategy
Compare property fit, qualification factors, and what to prepare
DSCR rental loans
- Rental purchase
- Rate-and-term refinance
- Cash-out refinance
- Bridge-to-DSCR planning
- Portfolio DSCR Loans & Refinance
- Short-Term Rental & Airbnb DSCR Financing
- DSCR Loans for LLC-Owned Rentals
- DSCR Loans for Duplexes, Triplexes & Fourplexes
- BRRRR Refinance & Hard Money Exit
- Calculate rental DSCR
- Planning guides
Program options by market
Capital options shaped around your deal
Pillar combines technology with advisor-led structuring, reviewing multiple lender and capital options against your property, timeline, and exit plan.
Review my financing optionsNo obligation. Rates and terms require underwriting approval. Read disclosures.