Model the full cycle: buy with hard money, rehab, then refinance into a 30-year DSCR rental loan. See how much capital stays in the deal, your monthly cash flow, and whether you hit the infinite return. The math runs in your browser.
Phase one: the hard money leg of the BRRRR.
Estimates for planning only, not a quote. Hard money leg assumes 2 points and 1.5% closing on purchase; the refi assumes 2% of the loan in costs. Rates are indicative as of Jul 12, 2026 and subject to underwriting. Most lenders want 6 months of seasoning before the cash-out refi.
When the refi pays off the hard money loan and returns all your cash, capital left in hits zero and your return on the cycle is effectively unlimited. The deal now pays you to hold it.
The refi needs rent to cover the new payment. Below a 1.0 coverage ratio the loan sizes down, which strands more of your cash in the property. Push ARV or rent, or buy lower.
We lend on both legs: the hard money purchase-plus-rehab, and the DSCR refi when it seasons. Submit the deal once and we will price the full cycle with you.