3 Types of Loans to Maximize the BRRRR Method

The BRRRR method, Buy, Rehab, Rent, Refinance, Repeat, has become a favorite strategy among real estate investors for building long-term wealth. But executing BRRRR successfully requires more than just good property selection, it demands the right financing at each stage.

Here are the three types of loans every BRRRR investor should understand and use to maximize returns, protect cash flow, and scale smarter.

1. Bridge or Fix & Flip Loans (Buy + Rehab)

Use For: Property acquisition and renovation

The first two phases of BRRRR—Buy and Rehab—require speed and flexibility. Traditional financing doesn’t cut it when you're competing with cash buyers or taking on distressed properties. That’s where bridge loans or fix & flip loans come into play.

Key Benefits:

• Fund both purchase and rehab costs
• Close quickly (often in 10–14 days)
• Minimal documentation required (no income or employment verification)
• Interest-only payments during the loan term

These loans allow investors to acquire under-market properties, complete value-add improvements, and position the asset for maximum rental income and long-term value.

2. DSCR Rental Loans (Rent + Refinance)

Use For: Exiting the bridge loan and locking in long-term financing

Once the rehab is complete and the property is leased, the next step is to refinance into a long-term DSCR (Debt-Service Coverage Ratio) loan. This type of loan focuses on the property’s income—not the borrower’s W-2 income—making it ideal for investors building portfolios.

Key Benefits:

• 30-year fixed or interest-only options
• Qualify based on rental income (DSCR), not personal income
• Competitive rates and terms for long-term holding
• Scalable across multiple properties

This allows investors to pull out equity, pay off the bridge loan, and recycle their cash into the next deal—all while holding a cash-flowing asset.

3. Second Position Loans (Repeat)

Use For: Unlocking equity without refinancing your first mortgage

As investors build their portfolios, many get trapped by equity they can’t easily access without refinancing out of a great rate. A second mortgage or second lien loan is a creative solution to this.

Key Benefits:

• Keep your low-rate first mortgage intact
• Tap into built-up equity across stabilized rentals
• Fund your next BRRRR project without selling or refinancing
• Fast access to capital with less documentation

This is an advanced move that allows seasoned investors to accelerate the “Repeat” phase without disrupting existing assets or incurring major costs.

Financing with Temple View

At Temple View, we specialize in real estate investment financing designed by investors, for investors. Whether you're acquiring, renovating, holding, or scaling, our suite of loan products is built to support your strategy at every stage.

We offer:

• Bridge & Fix and Flip Loans
• DSCR Rental Loans
• Second Position Loans
• Ground-Up Construction Loans

With a focus on speed, flexibility, and reliability, we make financing seamless, so you can focus on what matters most: growing your portfolio. Contact us today to secure financing.

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