Hard Money Lenders » BRRRR Loans


Intrust Funding is a hard money lender that was formed to deliver an alternative method of funding for real estate investors in Washington state by utilizing the unique business model of BRRRR loans. BRRRR stands for “Buy, Rehab, Rent, Refinance, and Repeat.”

The BRRRR Method

No Prepayment Penalty

No Minimum Credit Score

Up to 90% LTARV

5-12 Month Terms


To achieve success with the BRRRR Method, you will want to follow what is known to veteran real restate investors as the 70% Rule. Essentially, when you’re looking to use a BRRRR loan, utilize loan funds to cover no more than 70% of the home’s after-repair value minus the costs of renovating the property. This will leave a broad 30% margin to cover unforseen rehab costs and other unplanned interruptions to construction.

Once you’re finished with rehab, you will want to rent the property to tenants. The rent should be greater than or equal to 1% of what you paid for the home including all renovations, repairs, and other improvements. By renovating the property, its value should increase (if not exponentially, as in hot markets like Seattle). Once you rent out the property, you’ll be eligible to refinance your investment with a conventional lender and receive cash for the equity you have now built into the property with renovations. You can use this cash to fund the purchase of your next fix and flip.

Prequalify Today!

If you’re a real estate investor or a borrower interested in acquiring our BRRRR loans, kindly fill out the form below and our staff will get in touch with you immediately to see if your proposed project suits the BRRRR strategy.

Why BRRRR Loans Are Better

The good thing about our BRRRR loans is the flexibility they offer. You can choose short- or long-term loans. When you utilize our BRRRR method, you’ll have the option for multiple exits, or you may continue for the long-term with an investment that is performing well. Thus, you have more control over your money. Since BRRRR loans are specific for rental properties, the loans are an excellent solution for those interested in monthly payments, as the rentals provide a nice and steady stream of income that can be used to pay off the monthly interest.

Compared to traditional loans from banks or mortgages, the BRRRR strategy for real estate investing doesn’t require you to pay an upfront downpayment, fees, or a lengthy underwriting process. With hard money lenders like us, you can get your first deal immediately even if you don’t have sufficient cash in your pocket.

Lending Amount

Intrust Funding can lend on up to 90% of the investment’s after repair value (ARV), and offers loans for property acquisitions, rehab costs, or both.

Term Length

Although all situations have unique requirements and we are able to adjust our metrics based on your goals, typical loan term lengths range from 5 months to 12 months.

Loan Security

With an in-house MBA in Real Estate who maintains a greater than 98% accuracy on ARVs, we underwrite all our own loans.

What is the BRRRR Method?

Read Our Introduction!

BRRRR Examples

BRRRR Investing & Intrust Funding’s Hard Money Loans

Build Your Real Estate Portfolio Through BRRRR

The BRRRR strategy is a proven and effective financing technique used by many real estate investors to grow their portfolios. By adding value to an asset during the purchase and holding periods, investors make more than their original investment back from the refinance of the property. This allows you to take that money and use it again to buy deals, resulting in the exponential growth of your business, while also allowing you to generate passive income for years to come.

Once you expand the property’s value through renovation and rent it out, you’ll be able to find a traditional lender (mortgage/bank) to refinance it. You can then pull out your equity and use it to fund your next investment deal.

BRRRR Real Estate

When It’s the Best Option

If you want to use real estate as part of an overall investment strategy, consider BRRRR method hard money lenders who can help you finance the purchase and rehab costs in one lump sum. Perform all renovations and rent out your property quickly to start seeing positive cash flow.

With the right strategy and cash-out refinancing, you can create an impressive real estate portfolio that will bring you passive income for years to come.

Borrower Situations

  • Need Financing Quickly
  • Mortgages on Other Properties
  • Property Doesn’t Meet FHA Requirements
  • Low Current Value, High After Repair Value Investment
  • Fix and Flip
  • Buy and Hold
  • Low Credit Score
  • Leveraging Assets to Invest
Variable Bank Intrust Funding
Basis for Loan Approval Income Proof, Credit Score, Tax Returns, Appraisals, etc. Real Estate Assets, LTARV
Minimum FICO Credit Score 700+ None
Property Type Owner Occupied Nonowner Occupied
Upfront Fees Appraisals, Application Fees, etc. None


  • Non-owner Occupied
  • Builders, Developers
  • Legal Entities
  • Foreign Nationals
  • Property in Probate, Heirs

Property Types:

  • Single-Family Residence
  • 2-4 Unit Residential
  • Condominiums and Townhomes
  • Condo Unacceptable to Fannie Mae/Freddie Mac
  • Mobile/Manufactured Homes
  • Few Comps: Dome, Berm, Log, Historical, Ultra-Modern, etc.
  • Non-Owner, 1-4 Units, Zoned Other than Residential

Acceptable Loan Scenarios

  • Purchase
  • Rate & Term Finance
  • Cash-out Refinance
  • Blanket Loans
  • Bridge Loans
  • Business-purpose Financing
  • Fix-and-Flip
  • Construction/Renovation Completion
  • OK: Foreclosure, Bankruptcy, Short Sale, NOD, NOS
  • Notes Purchased
  • Equity Only (No Credit Nor Asset Checks)
  • Seasoning: Non Required, Non-Owner Occupied
  • Second Mortgages/Trust Deeds
  • Third/Fourth Mortgages/Trust Deeds