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Updated over 5 years ago on . Most recent reply
![Nathan Killebrew's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1360404/1621511626-avatar-nathank93.jpg?twic=v1/output=image/crop=694x694@27x96/cover=128x128&v=2)
Is the BRRRR method actually viable?
Hi, I am in the middle of reading the BRRRR book, and it is great. I did have some concerns. I went to my father who is the president of a community bank and presented him with the theory. He told me under very few circumstances would he be able to do that refi in our market. That somewhat concerned me. He later told me that the method I presented him with could possibly work with a more risk-averse lender, but our market is very diluted with credit risk.
Still, I was left with the question, how difficult is it to find a lender who will be on board with a BRRRR refi?
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![Kerry Baird's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/75003/1701884926-avatar-locutus9.jpg?twic=v1/output=image/crop=2181x2181@0x0/cover=128x128&v=2)
Now go back to your dad and ask him under which circumstances one *could* do that. And then listen to him and take notes.