The BRRRR Strategy Explained: How Real Estate Investors Use Hard Money and DSCR Loans to Build Wealth
Disclaimer: This blog is for informational purposes only and does not constitute financial, legal, or investment advice. Consult with a qualified advisor before making financing decisions.
The BRRRR strategy—Buy, Rehab, Rent, Refinance, Repeat—has become one of the most powerful wealth-building methods in real estate investing. But executing BRRRR successfully requires smart financing at each stage. That’s where hard money loans and DSCR loans come into play.
At QuickLend Capital, we specialize in helping investors in Brooklyn, Dallas, Charlotte, Atlanta, Greenville, and other growth markets navigate the BRRRR process from acquisition to refinance.
What is the BRRRR Strategy?
The BRRRR method allows you to recycle the same capital across multiple rental deals:
Buy – Acquire a distressed or underpriced property
Rehab – Add value through renovation
Rent – Stabilize the asset with tenants
Refinance – Pull out equity via a DSCR loan
Repeat – Reinvest proceeds into your next deal
Step 1: Buy with a Hard Money Loan
In most BRRRR deals, you’re buying off-market or distressed properties that banks won’t finance. A hard money loan gives you speed and flexibility.
Close in 5–10 days
Up to 90% purchase / 100% rehab
Minimal documentation required
Based on asset value, not income
Step 2: Rehab and Force Appreciation
Use draw-based rehab financing to complete repairs, upgrades, or layout improvements. Boosting ARV (After Repair Value) increases your future refinance potential.
QuickLend Capital offers:
Rehab funds released in stages
Up to 100% of approved renovation costs
Transparent draw process with fast turnaround
Step 3: Rent to Stabilize
Once the property is rent-ready, lease it up with tenants. A positive cash flow and stable occupancy are key to moving on to a refinance.
Step 4: Refinance into a DSCR Loan
With your property stabilized, it’s time to exit the hard money loan. A DSCR loan offers:
Long-term fixed or interest-only terms
No income or tax return requirements
Qualification based on rental income (DSCR ≥ 1.0)
Cash-out options to recycle your capital
Step 5: Repeat and Scale
Now you can reinvest your cash-out proceeds into another BRRRR project. Repeat the cycle and watch your portfolio grow without constantly tying up new capital.
Where the BRRRR Strategy Works Best
Brooklyn, NY: Small multifamily renovations in gentrifying neighborhoods
Charlotte, NC: Turnkey duplexes in growth corridors
Greenville, SC: Single-family flips converting to long-term rentals
Dallas, TX: Suburban rehabs with high rent demand
Atlanta, GA: BRRRR deals in revitalizing inner-city zip codes
Why Choose QuickLend Capital for BRRRR Financing?
One-stop solution for both hard money and DSCR loans
Fast closings, rehab funding, and long-term takeout options
Personalized deal structuring and pre-approvals
Lending throughout the Southeast, Texas, and New York
Ready to launch or scale your BRRRR strategy?
Get pre-approved with QuickLend Capital today and access the funding you need at every step of the way.