The BRRRR strategy — Buy, Rehab, Rent, Refinance, Repeat — is how investors build rental portfolios without leaving capital trapped in every property. The strategy lives or dies on the first two letters: you have to buy the right property fast and fund the rehab without friction. That is exactly the phase hard money financing was built for.
Where Hard Money Fits in the BRRRR Cycle
A BRRRR deal starts like a flip: find an undervalued property, close quickly, renovate to force appreciation. The difference is the exit — instead of selling, you place a tenant and refinance into long-term financing, pulling your capital back out for the next deal.
- Buy — Asset-based underwriting means we lend on the property’s value and your plan, not your tax returns. Closings run 3 to 7 business days, which is what wins discounted properties against competing offers.
- Rehab — Our fix-and-flip loan structure (acquisition plus rehab capital) funds the renovation that forces the appraisal your refinance depends on.
- Rent & Refinance — Once the property is stabilized and leased, you refinance into long-term financing with the lender of your choice. Our loan is built to exit cleanly: interest-only payments while you hold, flexible prepayment when your takeout closes.
- Repeat — Capital recycled, same financing available for the next acquisition.
BRRRR Loan Program Terms
- Loan amounts: $50,000 to $5,000,000+
- Loan-to-value: up to 70% of as-is value (higher leverage available with cross-collateral or strong ARV underwriting)
- Structure: interest-only payments with balloon at exit
- Credit minimum: none — loans are equity and exit-strategy driven
- Documentation: streamlined; no income verification required
- Closing: 3 to 7 business days
Estimate your carry costs before you commit — the hard money loan calculator shows monthly payment, points, and total financing cost for any scenario.
Why the Timeline Matters More in BRRRR Than in Flips
A flipper’s interest clock stops at the sale. A BRRRR investor’s clock stops at the refinance — and refinance timing often depends on lender seasoning requirements, lease-up, and appraisal scheduling. Build a realistic stabilization timeline into your numbers: an interest-only structure keeps the carry manageable, but every month between rehab completion and refinance close is a month of holding cost. Investors who model this honestly are the ones whose BRRRR portfolios actually compound.
Markets We Serve
Hilton Financial Corporation has funded over $1 billion in investor loans since 1980. We lend across Arizona, Texas, Ohio, Colorado, Tennessee, Utah, and Hawaii — see all lending locations.
Frequently Asked Questions
Can I use hard money for the whole BRRRR cycle?
Hard money is purpose-built for the buy and rehab phases. The refinance phase belongs with a long-term lender — our role is to get you to a stabilized, leased, appraisal-ready property fast, then exit cleanly when your takeout financing closes.
What happens if my refinance takes longer than planned?
Terms run up to 24 months depending on the deal, with flexible prepayment — you are not penalized for refinancing early, and you have runway if stabilization runs long. Model both cases in the calculator before you commit.
Do you require experience with rental properties?
Experience strengthens a file but the loan is underwritten on the property and the exit plan. First-portfolio investors with a sound deal and a realistic refinance path are fundable.
How fast can a BRRRR acquisition close?
3 to 7 business days from complete file — fast enough to compete with cash offers on the discounted properties that make BRRRR math work.
Get started — tell us about the property and your plan, and we’ll respond with a term sheet, typically within 24 hours.