The refinance-out (BRRRR) check

Whether the refinance repays the bridge, clears DSCR, and fits inside the seasoning window.

What you will owe when the term ends

Hard money payoff$Purchase loan plus every rehab dollar drawn.

Your total cash into the deal$Down payment, fees, out-of-pocket rehab, carrying costs.

The refinance

Appraised value at refinance$Not your ARV hope. What a rental appraiser will support.

Refinance LTV%DSCR cash-out refinances commonly cap at 70-75%.

Refinance rate%

Amortisation (years)

Seasoning required (months)How long you must own it before the lender will use the new value.

Your hard money term (months)

What it rents for

Monthly rent$

Property tax per month$

Insurance per month$

HOA per month$

Vacancy allowance%

Management%

Maintenance and capex%

The refinance-out (BRRRR) check by Hard Money Facts — independent research on hard money and private real estate lending. Free to embed. Nothing you type here is transmitted anywhere.