One lender. The full BRRRR cycle.
Buy, Rehab, Rent, Refinance, Repeat, without switching lenders at every step. We stack bridge and DSCR financing so you can execute the full cycle and pull your capital back out to do it again.
- Combined bridge + DSCR
- One lender, full cycle
- Seamless refinance path
- Built for portfolio growth
The details.
Everything you need to know about how this loan is structured before you submit a deal.
Acquisition and rehab financed under a short-term bridge structure.
Once stabilized, roll directly into long-term DSCR financing.
On the acquisition and rehab phase for experienced investors.
On the DSCR refinance once the property is rented and stabilized.
Scale your portfolio without tying up capital.
The BRRRR strategy only works if the refinance leg actually closes, and closes fast enough that your capital doesn't stay locked up for months. Trilith handles both legs so there's no handoff to a new lender, no delay, and no risk that the refinance falls through because a new underwriter doesn't understand the deal.
No lender handoff
We handle both the bridge and the DSCR refinance. No re-qualifying, no new underwriter learning your deal from scratch, no risk of the refinance leg falling through.
Pull your capital back out
The goal of BRRRR is recycling capital. We structure the DSCR refinance to return as much of your initial investment as possible so you can fund the next deal.
Up to 100% LTC on rehab
Experienced investors can finance the full acquisition and rehab cost under the bridge phase, minimizing upfront capital requirements.
DSCR underwritten on rent
The refinance phase qualifies on what the property earns, not your personal income. The tenant's rent is the qualifier.
Seamless transition
We know your deal from the first phase. The refinance process is faster because we're already familiar with the asset, the renovation, and your track record.
Built to repeat
The whole point of BRRRR is doing it again. We structure the refinance to maximize your returned capital so the strategy scales.
What we look at.
We underwrite the deal, not your life story. No tax returns. No income verification. Here is what matters.
Phase 1 — bridge: Acquisition and rehab. Up to 100% LTC for experienced investors (10+ flips in 36 months).
Phase 2 — DSCR: Refinance once property is rented and stabilized. Qualified on rental income.
Stabilization: Property must be rented and producing income before DSCR refinance.
Income docs: Not required at either phase. No W-2, no tax returns.
Credit: Minimum credit score applies. Ask your loan officer.
Timeline: Bridge phase closes in 7–14 days. DSCR refinance timing depends on stabilization.
For investors who want to scale a rental portfolio without raising new capital for every deal.
BRRRR is a long game. It works best when the financing is clean, the handoffs are seamless, and the refinance leg actually closes.
- Investors executing the BRRRR strategy who need both the bridge and refinance handled by one lender
- Buy-and-hold investors who want to recycle their capital into the next acquisition
- Investors who've been burned by a refinance falling through after the rehab is done
- Portfolio builders looking to grow without raising new equity on every deal
- Fix-and-flip investors transitioning some deals to hold rather than sell
Three steps. No surprises.
A dedicated team on every file from first call to closing table.
Bridge closes
Property stabilizes
Capital returned
We finance the acquisition and rehab. You execute the renovation and lease the property.
Once rented and performing, we move to the DSCR refinance: same team, same lender, no new underwriting from scratch.
The DSCR refinance returns your invested capital. You repeat the process on the next deal.
Bridge closes
We finance the acquisition and rehab. You execute the renovation and lease the property.
Property stabilizes
Once rented and performing, we move to the DSCR refinance: same team, same lender, no new underwriting from scratch.
Capital returned
The DSCR refinance returns your invested capital. You repeat the process on the next deal.
Common questions.
What is a BRRRR loan?
It's two coordinated loans from one lender: a bridge loan to finance the buy and rehab, then a DSCR refinance once the property is rented and stabilized, so you can pull your capital back out and repeat.
Why use one lender for both legs?
No handoff. The same team underwrites the refinance, so there's no re-qualifying, no new underwriter learning the deal, and far less risk of the refinance leg falling through after the rehab is done.
How much of my capital comes back on the refinance?
The DSCR refinance goes up to 85% LTV once the property is stabilized, structured to return as much of your initial investment as possible so the strategy scales.
Ready to run the full cycle?
Tell us about your deal. We'll structure both legs and make sure the refinance actually closes.