Bridge & Construction

BRRRR Title Seasoning Requirement

The number of months an investor must hold title to a renovated property before refinancing based on its new After Repair Value (ARV).

Underwriting Formula / Rule

0–90 Days: Cost Basis Cap | 90–179 Days: Select ARV Shelves | 180+ Days: Full 75%–80% ARV Cash-Out.

Detailed Credit-Committee Impact & Thresholds

Title seasoning measures the elapsed time between the acquisition deed recording date and the new refinance note date. While 6 months (180 days) is the institutional benchmark for unrestricted ARV cash-out, select wholesale shelves allow 3-month (90-day) ARV cash-out with documented renovation receipts.

2026 Wholesale Benchmark: 90-day and 180-day ARV shelves shopped side by side by Loan Daddy LLC.

Related Underwriting Terms

Debt Service Coverage Ratio (DSCR)Form 1007 Single-Family Comparable Rent Schedule Form 1025 Small Residential Income Property Appraisal Report 5-4-3-2-1 Step-Down Prepayment Penalty 3-2-1 Step-Down Prepayment Penalty Yield Maintenance Prepayment Provision