Seasoning
The minimum ownership period required before a lender will use a property's new appraised value (vs original purchase price) for a refinance. DSCR cash-out seasoning is typically 3–6 months.
Why it matters on a DSCR loan
Seasoning is the clock that governs your BRRRR exit: buy and rehab all you want, but the lender won't lend against the new appraised value until the required ownership period has passed. Investors who miss this either wait out the clock or refinance at the original purchase price basis, leaving rehab-created equity trapped. Confirm the specific seasoning requirement for your program before you close the acquisition, and calendar the refinance eligibility date so your hard money doesn't run past term.
Related terms
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).