Fix-to-Rent / BRRRR Loans.
Rehab Through Refi, One Lender.
Fix & flip leverage during the rehab. A 30-year DSCR loan at the finish.
What Is a BRRRR Loan?
A BRRRR loan finances the buy and rehab of a rental, then rolls into long-term financing once it's stabilized. BRRRR stands for buy, rehab, rent, refinance.
At LenderX.ai the rehab phase has the same leverage and structure as a fix & flip loan. At stabilization you roll into a 30-year DSCR rental loan, so it's one relationship from rehab through refi.
What Are the Fix-to-Rent / BRRRR Terms?
Program terms as of October 6, 2026. Every deal prices differently, and all loans are subject to underwriting. Nationwide, state restrictions apply.
| Term | Fix-to-Rent / BRRRR |
|---|---|
| Rehab phase | Same leverage and structure as Fix & Flip |
| Loan amount (rehab phase) | $75,000 – $6,000,000 |
| Rehab-phase term | 12–24 months, interest-only |
| Exit | 30-year DSCR rental loan |
| Credit | 620+ program options |
| Refinance timing | Seasoned appraised value typically usable 6–12 months after purchase |
| Documentation | Keep rehab receipts. Cost documentation is requested on early refis |
| Pricing | Rehab phase and exit quoted per deal |
Maximum figures shown are not available in combination on every transaction.
Why Use One Lender for the Whole BRRRR?
Same Leverage as a Flip
The rehab phase is structured like our fix & flip loan.
Built-In Exit
A 30-year DSCR rental loan is waiting at stabilization.
One Relationship
Same team from rehab through refinance. No handoff to a stranger.
Plan the Refi Early
Know the seasoning and documentation rules before you buy.
Fix-to-Rent / BRRRR Loan Questions We Actually Get Asked
You buy and rehab with short-term financing, rent the property, then refinance into a long-term loan. With us, the rehab phase uses fix & flip leverage and the exit is a 30-year DSCR rental loan.
The seasoned appraised value is typically usable 6–12 months after purchase. Your timing depends on the deal, so ask us before you buy.
Keep your rehab receipts. Cost documentation is requested on early refinances.
The rehab phase is the same. The difference is the exit: a flip sells the property, while BRRRR rolls into a 30-year DSCR rental loan.
No, but doing both with us keeps it one relationship from rehab through refi, with the DSCR exit already part of the plan.
The same as our fix & flip loan: up to 90% of purchase and 100% of rehab, capped at 75% of ARV.
We have program options starting at 620+. All loans are subject to underwriting approval.
We lend nationwide, and state restrictions apply. Send us the property address and we'll confirm whether we can lend there.
Other LenderX.ai Programs
Send Us the Address.
We'll Send You Real Terms.
Talk to a lender, not a sales team. No commitment. No appraisal until you see real numbers.
LenderX.ai originates business-purpose loans secured by non-owner-occupied investment property only. Program terms shown reflect best-available terms as of October 6, 2026 for the most qualified borrowers; your terms depend on credit, experience, property type, location, DSCR, project scope, and loan structure. Maximum figures shown are not available in combination on every transaction. Terms and program availability are subject to change without notice and state restrictions apply. This is not a commitment to lend.