how long to complete the BRRRR process?

[Marc Shin]

Hello - is it possible to complete the entire BRRRR process within a 3 month period? Or does it take closer to 6 months to 1 year to complete the BRRRR process?

[River Sava]

Hey Marc - 

It is possible to complete the BRRRR process in 3 months, but a lot depends on the specific situation. The rehab timeline is a big factor. If the property only needs light cosmetic updates, 3 months might be doable, but for more extensive renovations, it's going to take longer.

The refinance stage can also be a challenge since many lenders require a seasoning period, often around 6 months, before they'll allow a refinance based on the new appraised value. However, some DSCR lenders can support a refinance in under 6 months, which can help speed things up.

Market conditions also play a role, including the availability of contractors, appraisers, and lenders. In most cases, 6-12 months is a more realistic timeline, especially for larger rehabs or when you’re trying to maximize the property’s after-repair value. If you’re aiming for 3 months, having a reliable team and the right lenders in place will be crucial to keeping things on track.

More about how DSCRs support BRRRR refis: https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...