(Investment Property Only — Not Primary Residence)
Buy & Rehab Now, Refinance on Rental Income Later
Answer a few quick questions. Takes about 30 seconds.
Plenty of investors arrange the rehab loan first and worry about the refinance later, then find the two don't line up. We work on both halves of the cycle, so the exit can be modeled before you buy — what the refinance will likely support, what it will require, and when it becomes available.
The BRRRR method lets you recycle the same capital across multiple deals, building a rental portfolio without tying up all your cash in a single property.
Purchase a distressed or undervalued property using a fix and flip loan. Fix and flip loans can close in as little as 7 days once the file is complete, with up to 90% of the purchase price financed and rehab costs funded in draws as the work is completed.
Use your Fix & Flip loan's construction draw schedule to fund renovations in stages as milestones are hit. Funds are released on time, keeping your project on budget and on schedule.
Once renovation is complete, lease the property. A signed lease and documented rental income set you up for the DSCR refi. Most lenders require 3–6 months of seasoning after completion.
BrightPath refinances the stabilized property based on its new appraised value — not what you paid for it. Up to 75–80% LTV on ARV. No income docs required; qualification is based on the rental income alone.
The cash-out proceeds fund your next acquisition. Keep the rental generating cash flow while you scale. Rinse and repeat with the same team and a lender who knows your track record.
Real reviews from investors who reached out about rehab and rental financing.
“Very helpful with the process and always willing to assist and answer any questions. I am looking forward to working with this company through the whole process!”
“The Loan Officer responded quickly with detailed information. No sales pitch – just the exact response to my question. Really appreciate that type of response when you make an inquiry.”
“Knowledgeable, professional and polite advisor who clearly explained the options. Was not pushy and answered all my questions to include follow-up questions via email. I would recommend giving them a try.”
“…called me within an hour to discuss those options. He was clear and concise with his answers which gave me the confidence to want to move forward with Bright Path.”
“Super easy, knowledgeable, friendly, professional. Have worked with many and this was easy and great.”
“Rapidly responsive to initial inquiries!”
Three steps, one point of contact. BrightPath Loans keeps the documents, timelines, and follow-up moving so you can stay focused on running the cycle.
About 2 minutes
Tell us the property, the loan amount you need, and the state it’s in. There’s no cost and no credit pull to get started. A loan specialist reviews the details and follows up the same business day with the terms available for your scenario.
In as little as 24 hours
For the purchase and rehab, you’ll provide the contract, a line-item rehab budget, and comparable sales supporting the after-repair value. For the refinance, underwriting uses the finished property’s appraised value and its lease or market rent.
Purchase or refinance in as little as 7 days
The purchase closes first, with rehab funds released in draws as work is inspected. Once the property is stabilized and leased, the refinance is ordered against the new appraised value. Seasoning requirements before a cash-out refinance vary by lender.
Dollars Lent
Real Estate Loans Funded
Excellent
BRRRR takes two loans, not one. A short-term fix and flip loan covers the purchase and rehab, then a DSCR cash-out refinance replaces it once the property is stabilized and leased — pulling your capital back out so you can do it again.
BrightPath Loans has worked with real estate investors for over ten years, and both halves of the cycle are products we handle. Getting the refinance planned before you buy is what keeps the timeline from stalling in the middle.
Get your fix and flip terms and see what the refinance is likely to support, before you commit to a purchase.
Get My Funding Terms Check Your BRRRR DealYou’ll hear back the same business day with the terms available for your deal — not a week later. Rehab loans and the DSCR refinance can each close in as little as 7 days, with rehab funds released in draws as work is completed and inspected. See if You Qualify
You’ll see the rate, the points, the leverage, the prepay structure, and the third-party costs before you commit to anything — on both phases. Pricing moves with your experience, the leverage you need, and how much margin the deal carries, and we’ll walk you through how each one affects your quote.
No tax returns, no W-2s, no employment verification — the rehab loan is underwritten on the deal and the refinance on the property’s rental income. We handle the document list and the conditions on both ends, so your time goes into the project.
We’ve worked with real estate investors for over ten years, through several rate cycles and repeated rounds of guidelines tightening and loosening. That shows up as fewer surprises: we can usually tell early whether a deal pencils, what it will take, and where it’s likely to snag.
The BRRRR strategy lets you recycle the same capital across deal after deal. Finance the purchase and rehab, stabilize the property, then refinance to pull your capital back out and repeat — with both phases planned from the start.
Check Your BRRRR Deal