BRRRR strategy with DSCR - what is the seasoning period for cash-out refi?

6 months seasoning from purchase date is our standard requirement to use the new appraised value (ARV) on a cash-out refi. Some lenders go to 12 months. At 75% LTV on $260k ARV you'd pull $195k - more than enough to recoup your $185k all-in and roll into the next deal.

Done this 4 times. Pro tip - get the rehab receipts and a clean scope of work documented. Appraisers will sometimes call to verify the work, and a tidy paper trail helps the appraisal come in at ARV.

Also worth noting - the property needs to be rented with a signed lease by the time you submit the refi. No vacant cash-out refis on DSCR.