Are There Minimum Seasoning Requirements on Ownership?
It depends on the type of refinance. Rate-and-term refinances have flexible seasoning requirements -- you can consolidate or refinance properties shortly after acquisition. Cash-out refinances typically require 180-day ownership seasoning, meaning you'll need to have owned the property for at least six months before pulling equity out. Whether you acquired your portfolio recently or have held it for years, you are eligible to apply for financing.
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No application fees, no tax returns required. Most loans close in 2-4 weeks with competitive rates based on your portfolio.
Flexible Seasoning
Rate-and-term refinances have flexible seasoning. Cash-out refinances typically require 180-day ownership seasoning.
Faster Capital Recycling
Extract equity and redeploy into new deals without arbitrary waiting periods.
Portfolio Flexibility
Roll individually financed properties into one blanket mortgage at any time.
No Growth Penalty
Investors scaling quickly are not penalized for their rapid acquisition pace.
This is a significant departure from conventional lending. Many traditional lenders and agency programs impose six-month to twelve-month seasoning periods before allowing any type of refinance on investment property. Our programs offer more flexibility: rate-and-term refinances have flexible seasoning requirements, allowing you to consolidate properties shortly after acquisition. Cash-out refinances typically require 180-day ownership seasoning -- still faster than most conventional alternatives.
If the assets generate sufficient cash flow to meet DSCR requirements, timing is irrelevant
Why Does Flexible Seasoning Matter for Investors?
Our flexible seasoning policy gives portfolio investors several tactical advantages over conventional lenders:
- Quick rate-and-term refinancing -- consolidate properties into a blanket loan shortly after closing on your last purchase with flexible seasoning
- Clear cash-out timeline -- cash-out refinances typically require 180-day ownership seasoning, giving you a defined timeline to plan equity extraction
- Portfolio restructuring flexibility -- roll individually financed properties into one blanket mortgage without the extended waiting periods conventional lenders impose
- Faster capital recycling -- once the 180-day ownership period is met, extract equity and redeploy into new acquisitions
Our underwriting focuses on the income-producing capacity of the portfolio itself rather than how long you have held the properties. If the assets generate sufficient cash flow to meet our DSCR requirements and appraise at appropriate values, we can move forward with your financing.
Flexible Seasoning Advantages
- Rate-and-term refinances have flexible seasoning -- consolidate new acquisitions quickly
- Cash-out refinances typically require 180-day ownership seasoning
- Restructure your portfolio without the extended waiting periods conventional lenders require
- Qualify based on property income and appraised value, not holding period
Recently Acquired Properties? Apply Today.
Flexible seasoning on rate-and-term refinances. Cash-out refinances typically require 180-day ownership seasoning. If your rental portfolio generates income, we can evaluate it for financing now.
See the full details of our 30-year fixed rate DSCR loan program and how quickly you can move from application to closing.