No Seasoning Required. Pull Equity Fast.
If you’re an investor using the BRRRR strategy, here’s a game-changer:
With Tidal Loans, we do NOT require any seasoning to use the current appraised value on a renovated property for a DSCR cash-out refinance.
While many lenders require you to wait 3, 6, or even 12 months to use the new value…
We let you pull equity out right away — as long as the property was improved.
That means you can:
- Recycle capital faster
- Scale your portfolio quickly
- Move on to the next deal without delay
Perfect for our investors who renovate a property in less than 3 months.
HERE’S WHY INVESTORS ARE CHOOSING OUR DSCR PROGRAM
- No Income Docs Needed – Approval is based on property cash flow, not personal income
- No Seasoning on Renovated Properties – Use current value immediately for cash-out refis
- No Origination Points – Ask us about zero-point options
- Vacant? That’s Okay – We allow refinances without a tenant
- Short-Term Rentals? Covered – Use Airbnb/VRBO income instead of long-term rents
- No DSCR Minimum – Low DSCR deals are welcome (higher rate applies)
- No Minimum FICO – The lower the credit, the higher the rate
- Foreign Nationals Welcome – Additional reserves and lower LTV required
- Interest-Only Option – 10 years interest-only, then 20-year amortized – all at the same rate
- Non-Warrantable Condos Allowed – Up to 75% LTV
- Rural Properties Okay – Also up to 75% LTV
Let us know how we can assist you in securing your next rental property or refinance!