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Updated 2 months ago on . Most recent reply

Sean Spagnola's profile image
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Sean Spagnola
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Sean Spagnola's profile image
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Sean Spagnola
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Sean Spagnola
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BRRRR - Buy, Rehab, Rent, Refinance, Repeat

No seasoning cash out refinancing

Sean Spagnola
Posted

Any cash out refinancing options that would not requiring seasoning?

From my own research this is unlikely. At best I've seen 6 month seasoning periods. 

I am targeting properties that have been on the MLS for longer than the average. Hopefully purchase for a discounted price. I'd mortgage them. Do a light rehab to increase ARV. Refinance and pull my down payment back out to start the next. Pretty much a classic BRRR.

I'm hoping not to have my down payments tied up for a 6 months to a year before I can repeat the process.

Any help and advice is truly appreciated.

Upstate New York, New York
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AJ Exner's profile image
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AJ Exner
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  • from Springfield, MO
  • Member since Oct 6, 2023
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AJ Exner's profile image
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AJ Exner
  • Lender
  • from Springfield, MO
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AJ Exner
  • Lender
  • Springfield, MO
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AJ Exner
  • Lender
  • Springfield, MO
Replied

Hey Sean,

Should have quite a bit of DSCR options at 90 days, or even less. Especially if you have done even a little bit of work to the property.

Just keep good records/Scopes of Work on your rehab as some groups might limit you to a certain percentage over your cost (say 120% of cost basis), but still enough usually to get DP back.

Happy to connect to talk through it if you are interested.

Good luck!

  • AJ Exner
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  • 417-427-2612
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