Seasoning Periods when BRRRRing

[Jon Ankenbauer]

I am looking to complete a BRRRR (is it still possible to do these??) and have started calling on local credit unions to discuss the refinancing portion of the transaction. In my most recent call I was told that if the original loan was secured using hard money then no seasoning period would apply since that is a Freddie/Fanny regulation. Is this true? Do seasoning periods only apply when using traditional financing?

[Devin Peterson]

Your best bet is DSCR financing. You can do three month seasoning, but get better terms at six months.