Fix & Rent (BRRRR LOANS)

🔁 Fix to Rent (BRRRR) Loans

Build Wealth with Cap One Lending’s Private Lending Advantage

At Cap One Lending, we specialize in Fix to Rent loans—also known as BRRRR loans—designed for real estate investors who want to Buy, Rehab, Rent, Refinance, and Repeat. Whether you're just starting out or scaling your rental portfolio, our flexible financing options help you move faster, keep more equity, and generate long-term passive income.

✅ Direct private lender with in-house funding
✅ Broker access for expanded loan options
✅ Close in as little as 3 days on the rehab and within 10 days on the rental loan

---

💡 What Is the BRRRR Strategy?

The BRRRR method—Buy, Rehab, Rent, Refinance, Repeat—is a proven investment model that allows you to recycle your capital to grow your portfolio efficiently.

1. Buy an undervalued or distressed property
2. Rehab the property to increase its market and rental value
3. Rent it out to establish stable cash flow
4. Refinance to pull out your equity
5. Repeat the process with your recycled funds

Cap One Lending provides both the acquisition/rehab loan and the take-out rental financing, so you never have to start over with a new lender.

---

🔧 Our Fix to Rent (BRRRR) Loan Structure

We offer two-phase financing tailored for BRRRR investors:

🛠️ Phase 1: Fix & Rehab Loan

Short-term financing for acquisition and renovation

• Up to 100% of purchase price and 100% of rehab costs
• Max 75% of After-Repair Value (ARV)
• Interest-only payments during rehab
• Close in as little as 7–10 days

🏘️ Phase 2: Rental Refinance (DSCR Loan)

Long-term financing based on property’s rental income

• No income or tax returns required
• DSCR qualification (cash flow covers debt service)
• Fixed rate and interest-only options
• Up to 30- or 40-year terms available
• No limit on number of financed properties

We handle the transition between Phase 1 and 2—no need to start from scratch or re-qualify through a new lender.

---

🏡 Eligible Properties

• Single-Family Homes (SFR)
• Duplexes, Triplexes, and Fourplexes
• Townhomes
• Short-Term and Long-Term Rentals

Note: All properties must be non-owner-occupied.

---

📋 Loan Requirements

• Borrower Type: LLC, Corporation, Trust, or Individual (entity preferred for liability protection)
• Credit Score: Minimum 620 (higher preferred for best terms)
• Loan Amounts: $75,000 to $4,000,000
• Lending Areas: Most states (excluding MN, ND, SD)

---

📑 What You’ll Need to Get Started

Phase 1: Fix & Rehab Loan

• Purchase Contract
• Rehab Budget
• Driver’s License / Entity Docs
• Asset Statements (for down payment/reserves)
• Phase 2: Rental Refinance (DSCR)
• Executed Lease or Rental Income History
• Property Insurance
• Title Work
• Appraisal or AVM (if required)

---

🚀 Why Investors Choose Cap One Lending

• Fast closings—fund in as little as 3 days
• In-house capital = more control & flexibility
• Seamless transition from rehab to rental refinance
• No tax returns or income docs required
• No reporting to personal credit
• Dedicated support team that understands the BRRRR model

---

📞 Ready to Scale Your Portfolio?

Let Cap One Lending be your long-term partner in real estate investing. From purchase to refinance, we’re with you every step of the way.

📲 Call us today at 816-905-1111
🌐 APPLY HERE

Let’s turn your next BRRRR deal into long-term wealth.