The refinance is the moment a BRRRR deal proves itself. If the appraisal comes in short or the rehab runs months past plan, your capital stays stuck in the property. The rehab has to do three jobs at once: support the appraised value, hold up to tenants, and finish on a timeline your lender can live with.
Scoped for the appraisal and the tenant
- Durable over decorative. Finishes and fixtures chosen to survive tenant turnover, not just photograph well.
- Systems addressed once. Plumbing, electrical, and mechanical decisions made with a long hold in mind, so the rehab isn't repeated in a few years.
- Rent-ready, unit by unit. On 2-flats and 3-flats, the scope is planned so units can be finished and rented in a sensible order.
Documented for your lender
Hard money and bridge lenders release rehab funds against documented progress. Our weekly updates already include photos and progress against the scope, and our lender documentation add-on formats draw packages, progress photos, and inspection reports for your lender (1% of project value, $500 minimum). How lender draws and contractor draws fit together.
Weekly labor draws protect your capital
BRRRR works because you recycle capital. A 30–50% contractor deposit ties up the cash you need for the next deal. With weekly labor draws credited toward your project total, starting at $4,000 a week for smaller projects, you pay as the work gets done. That's the point of our Pay As We Build™ model: keep your capital working. Calculate your capital.
Timeline to the refinance
Seasoning periods and rate locks mean the rehab timeline is part of your financing plan. Your proposal includes a realistic timeline, and Mason's weekly report shows where the job stands against it. BRRRR timelines and lender requirements.