Private Lending & Conventional Mortgage Advice
Market News & Data
General Info
Real Estate Strategies
Short-Term & Vacation Rental Discussions
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
Tax, SDIRAs & Cost Segregation
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
1031 Exchanges
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated almost 7 years ago on . Most recent reply
![Matt Shields's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/442057/1721762288-avatar-mattherat.jpg?twic=v1/output=image/crop=2116x2116@0x13/cover=128x128&v=2)
Hard Money for Buy and Hold?
Instead of selling some of my flip houses in Arizona, I would like to refinance them out of short-term hard money into long-term rentals using the BRRR strategy. The problem is that I don't have a real job or W2 and can't get a conventional mortgage. Does anyone know of a private long-term lender for buy and hold? Thanks.
Most Popular Reply
![Kevin Romines's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/132572/1621418451-avatar-rastusracing.jpg?twic=v1/output=image/crop=150x150@0x0/cover=128x128&v=2)
@Matt Shields Yes, I know of programs that will fit that scenario perfectly. You don't show employment or income on the application its all about, if the rents equal or are more than the PITI on the refinance loan. If so, your good to go. PM me for more details.