Bridge → Fix & Flip → DSCR Refinance. One lender, one file.
How do investors sequence bridge, fix & flip, and DSCR loans?
How real estate investors use bridge, fix & flip, and DSCR loans in sequence to acquire, reposition, and hold rental property. Final eligibility, pricing, and terms are subject to a complete application, credit and property review, and full underwriting.
- How real estate investors use bridge, fix & flip, and DSCR loans in sequence to acquire, reposition, and hold rental property.
- Every figure shown is an estimate for business-purpose investment property financing only — not an offer or commitment to lend.
- Simply Approved Mortgages is a licensed mortgage broker (NMLS #2620881), licensed for residential lending in Florida and Colorado and arranging business-purpose investor loans across our approved 37-jurisdiction footprint.
The full lifecycle of a rental deal, financed under one roof
Most lenders hand you off between products. We keep your file, reuse your appraisal where possible, and price the takeout when we close the bridge — so there are no surprises 12 months in.
- 01Acquire
Bridge Loan
Buy now, refinance later.
Win competitive deals — off-market, auction, 1031 exchange, or distressed acquisitions — with fast, business-purpose bridge capital. No income docs, no waiting on stabilized cash flow.
- 10–14 day close
- Up to 80% LTV, interest-only
- 12–24 month term
- No prepayment penalty
- 02Reposition
Fix & Flip Loan
Fund the rehab, lift the ARV.
Use the same lender relationship — often the same appraisal — to draw against your renovation budget. Add units, refresh systems, or reposition for a market-rate rent.
- Up to 90% of purchase, 100% of rehab
- 2-week draw cycle
- Interest-only payments
- BRRRR-ready file structure
- 03Refinance & hold
DSCR Refinance
Cash out. Hold long-term.
Once the property is stabilized and rented, take out the short-term debt with a 30-year DSCR loan. Pull cash out at closing to fund the next acquisition — and start the cycle again.
- 30-yr fixed, ARM, or interest-only
- Cash-out up to 75% LTV
- Reused appraisal where eligible
- LLC vesting, no tax returns
Fewer files. Fewer surprises. Faster capital.
Your entity docs, credit, reserves, and insurance carry from bridge to fix & flip to DSCR — no restarting from zero when it's time to refinance.
We indicate DSCR takeout terms when the bridge closes so you know your permanent exit before you swing a hammer.
Same loan officer, same processor, same underwriting team across all three products. No handoffs, no lost context.
What today's DSCR pricing means for your next investor step
These are actual pricing responses returned for a sample business-purpose DSCR scenario on non-owner-occupied investment property — rate, APR, borrower points or lender credit, estimated principal and interest, and lock period from the same quote. Pricing changes intraday and is not a loan approval, commitment, or guarantee of financing.
Live pricing unavailable — no current pricing response.
Get My Live DSCR Rates
The three cards above are featured examples from the current snapshot. Enter your own property, credit tier, leverage and rent to see every eligible option for your deal.
Rate & Pricing Disclosure: This quote is an indication for the scenario entered and the pricing available at the time shown. Rates and terms are subject to change without notice and may change or may not be available at commitment or closing. This is not a rate lock, loan approval, commitment to lend or offer of credit. APR reflects applicable borrower-paid finance charges and pricing credits for this quote and may be the APR returned with the quote or our own audited calculation where verified borrower-paid finance charges outside the quoted price apply. Additional lender and third-party costs may apply and may not be included in the APR. Payment shown is principal and interest only and excludes taxes, insurance, HOA dues and other applicable costs, so your actual payment will be higher. Simply Approved Mortgages LLC is a mortgage broker, not the funding lender. Business-purpose, non-owner-occupied investment property only. Equal Housing Opportunity.
APR reflects applicable borrower-paid finance charges and pricing credits for this quote. Depending on the option, the APR shown is either the APR returned with that quote or our own audited calculation, used where verified borrower-paid finance charges outside the quoted price apply. Other lender and third-party costs may apply and may not be included in the APR.
Estimated payment is principal and interest only and does not include property taxes, insurance, HOA dues, flood insurance, escrows or other applicable costs.
How the full-cycle path actually works
Do I have to use all three products?
No. Each program stands on its own. But if your business plan is buy → renovate → hold, running all three through one lender saves time, docs, and third-party costs.
Can you reuse the appraisal from bridge to DSCR?
In many cases, yes — as long as the appraisal is within the lender's usable window and the scope of work matches the as-stabilized valuation. We flag this at bridge closing.
How long does the full cycle take?
Typical BRRRR cycles run 6–12 months: 10–14 days to close the bridge, 60–120 days to complete the rehab, 60–90 days of seasoning, then a 15–21 day DSCR takeout.
Do I lock the DSCR rate at bridge closing?
No — rates float until the takeout is underwritten. We do provide indicative pricing at bridge closing so you can model the exit.
Can I cash out at the DSCR takeout?
Yes — most stabilized takeouts allow cash-out up to 75% LTV against the new appraised value, giving you capital to acquire the next deal.
Start the journey. Fund the whole deal, not just the first step.
Send us an address and a business plan — we'll price the bridge and indicate the DSCR takeout in the same pricing feedback.
Get Your Personalized Rate QuoteHow We Evaluate This Scenario
A DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.
Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.
Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.
Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.
Get your personalized investor loan quote
Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
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You can change this any time.Tell us about your scenario
The form below is tailored to DSCR rental loan — only the questions your program needs.