Compare top rental refinance loans for BRRRR investors. Finance your long-term rental properties with DSCR-based lending — no tax returns, no W-2 required. Commissions up to $700/loan.
Finished your fix-and-flip? The BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) lets you pull your capital out and reuse it for the next deal. These lenders specialize in rental cash-out refinancing for investors with LLCs, multiple properties, and complex income.
A BRRRR rental loan is a cash-out refinance product designed for investors who have renovated a property and are ready to convert it to a long-term rental. Unlike traditional bank mortgages, these lenders use the property's DSCR (Debt Service Coverage Ratio) to determine loan size — based on rental income, not your personal tax returns.
The key advantage: after your fix-and-flip is complete, you can refinance 75–80% of the ARV (After Repair Value), pull out most of your capital, and use it for the next down payment. Repeat indefinitely with little of your own money.
Key metrics: Look for LTV (loan-to-value), DSCR minimum, interest rates, and cash-out amounts. Most BRRRR lenders cap at 75–80% LTV on cash-out refinances, though some go to 85% with premium pricing.
| Lender | Loan Types | Max LTV (Cash-Out) | Min DSCR | Interest Rate | Loan Size | |
|---|---|---|---|---|---|---|
| Kiavi Affiliate | DSCR Rental, BRRRR, Rental Refi | 75–80% LTV | 1.0 DSCR | 6.99–9.99% | $75K – $5M | Get Quote |
| New Silver Affiliate | DSCR Rental, Fix-and-Flip, BRRRR | 70–75% LTV | 1.0 DSCR | 7.49–10.49% | $100K – $3M | Apply Now |
| RCN Capital Affiliate | Rental Refi, BRRRR, Investment | 75% LTV | 1.0 DSCR | 7.25–10.25% | $75K – $2M | View Products |
Rates are indicative starting rates for qualified borrowers as of April 2026. Actual rates depend on property, borrower credit, and DSCR. Commissions noted where affiliate relationships exist.
Kiavi is one of the largest DSCR-based lenders in the US, funding over $2 billion annually. Their rental refinance products are purpose-built for BRRRR investors who need fast closings and large loan sizes to recycle capital quickly.
BRRRR investors with 3+ properties who need loans $200K–$2M and want a single lender relationship for both fix-and-flip and rental products.
Kiavi's scale and DSCR flexibility make it the top pick for serious BRRRR investors. The 1.0 DSCR threshold means even properties with thin margins can qualify. Use the BRRRR Calculator to estimate your cash-out amount before applying.
New Silver specializes in DSCR loans for real estate investors, with a focus on the BRRRR strategy. Their streamlined application and dedicated investor team make them a top choice for borrowers who need speed and simplicity.
BRRRR investors who value a fast, online experience and are refinancing properties with solid DSCR (1.2+) where the lower LTV is still sufficient for their capital needs.
New Silver's digital-first process and dedicated investor support make BRRRR refinancing straightforward. The 70–75% LTV is the main limitation — use our BRRRR Calculator to see if the cash-out meets your needs.
RCN Capital is a national investment property lender offering both short-term fix-and-flip loans and long-term rental refinance products. Their volume and experience with BRRRR investors make them a reliable partner for portfolio growth.
Investors who want a long-term relationship with a single lender that can handle both their fix-and-flip and rental financing needs across multiple states.
RCN Capital's consistency and national presence make it ideal for investors operating in multiple states. Their dual product offering means you can start with a fix-and-flip loan and seamlessly transition to a rental refinance with the same lender.
Use our free BRRRR Calculator to estimate your maximum offer price, monthly cash flow, and expected cash-out amount at refinance — before talking to any lender.
Conventional bank loans for investment properties require full documentation, tax returns, W-2s, and typically a 620+ credit score. DSCR loans qualify the property, not the borrower — using the property's rental income relative to its debt payments. This is why BRRRR investors prefer DSCR: they can have complex personal income and still qualify based on the property's numbers.
Most lenders require a minimum DSCR of 1.0–1.1. DSCR = (Monthly Rental Income) / (Monthly Debt Service). A DSCR of 1.0 means the property generates exactly enough income to cover its debt payments. Higher DSCR (1.2+) results in better rates and higher loan amounts. Use our BRRRR Calculator to estimate your property's DSCR.
Most lenders cap cash-out refinances at 70–80% LTV of the After Repair Value (ARV). So a property worth $300K after renovations could support a loan of $210K–$240K. If your original purchase + rehab total was $200K, you'd pull out $10K–$40K of your original capital.
DSCR rental refinances typically close in 10–25 days, compared to 30–45 days for conventional bank refis. The fastest lenders (Kiavi, New Silver) can close in as little as 10 days for well-documented properties.
No — most BRRRR lenders require the property to be 100% renovated and rented before they'll refinance. The standard BRRRR strategy involves completing the renovation, getting a CO (Certificate of Occupancy), leasing the property, and THEN refinancing.
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