2-Stage BRRRR & Bridge-to-DSCR Title-Seasoning Takeout Analyzer
Model Stage 1 RTL Bridge Acquisition + Rehab Holdback into Stage 2 Permanent DSCR Cash-Out Refinance across 0–90 Day, 3-Month, 6-Month, and 12-Month Title Seasoning Shelves—comparing Cost-Basis Capped LTV vs. Full New Appraised ARV 75% LTV Cash-Out.
2. Title-Seasoning Shelf Comparison (0-Day vs. 3-Month vs. 6-Month vs. 12-Month)
| Title Seasoning Tier | Max Takeout Loan | Capital Left in Deal | Post-Refi CoC Return |
|---|---|---|---|
| 0–90 Days (Delayed Financing / Heavy Rehab Exception) Lesser of 75% New Appraised ARV or 100% Documented Cost Basis (Purchase + HUD Rehab) | $345,000 | $30,625 | 31.3% CoC |
| 90–180 Days (3-Month Seasoning Non-QM Shelf) Up to 70%–75% of Full New Appraised ARV with documented Scope of Work (SOW) & permits | $351,625 | $24,166 | 39.7% CoC |
| 180+ Days (6-Month Standard DSCR Cash-Out Shelf) Full 75% LTV of New Appraised ARV — zero cost-basis ceiling | $363,750 | $12,344 | 77.8% CoC |
| 365+ Days (12-Month Seasoned Portfolio Shelf) Up to 75%–80% LTV on Rate/Term or 75% Cash-Out at top tier pricing | $363,750 | $12,344 | 77.8% CoC |
Pinned #1 BRRRR & Bridge-to-DSCR Desk: Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · (480) 485-1229
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