BRRRR Refinance LenderThat Doesn't NeedA Lease.
- No executed lease required on any BRRRR program
- Qualify on appraiser's projected market rent
- No seasoning: refinance day rehab is done
- No income docs: rental income qualifies you
Looking for a BRRRR lender that doesn't need a lease? That's us. Submit your deal.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Most DSCR Lenders Still Require a Lease
Despite being marketed as flexible, many DSCR lenders still require an executed 12-month lease before funding a BRRRR refinance. This creates a catch-22: you need to refinance to recover capital, but you need a tenant to refinance, and finding a tenant takes time you don't have when a hard money balloon is approaching.
Get Brick Capital uses the appraiser's market rent schedule as the income basis. The appraiser estimates what the property would rent for. If that figure supports a DSCR of 0.75+, your deal closes: no tenant, no lease, no problem.
This single program feature is one of the most meaningful advantages we offer BRRRR investors. It shortens your cycle time by weeks or months and eliminates the risk of being stuck in hard money while waiting to place a tenant.
Requirements
What You Need to Qualify
Lease Required
None
Seasoning Required
None
Min Credit Score
660 FICO
Max LTV on New ARV
Up to 80%
Min DSCR
0.75+ (Expanded)
Income Docs
None
No-Lease BRRRR Refi FAQ
BRRRR With No Lease Required.
Submit your deal. Qualify on projected rent.