BRRRR Loans in
New York & Massachusetts

Execute your BRRRR strategy with a direct hard money lender who specializes in the “Buy, Rehab, Rent, Refinance, Repeat” method. Mako Loans provides reliable purchase and renovation financing with milestone-based draws and a clear bridge to long-term rental debt.

What are Hard Money BRRRR Loans?

A BRRRR loan is a specialized hard money bridge loan used by real estate investors to acquire and renovate distressed properties with the intent to hold them as long-term rentals. At Mako Loans, our BRRRR financing covers both the purchase and the rehab costs, allowing you to force appreciation and increase equity before refinancing into a permanent DSCR or conventional loan.

Value-Add Rental Investors

Ideal for those forcing appreciation to maximize cash-out refinance proceeds.

Non-Owner-Occupied Properties

Designed for 1-4 unit investment properties in NY and MA.

Equity Builders

For investors looking to "recycle" their capital by pulling their initial investment back out after stabilization.

Clear Refinance Exit

A perfect fit for investors with a defined plan to transition into long-term rental debt.

BRRRR Financing for Every Stage

Purchase + Rehab (Standard BRRRR)

Our primary product. We fund the initial acquisition and 100% of the approved renovation budget.

Rehab-Only (Owned Property)

If you already own the asset, use our hard money to fund the construction needed to hit your target appraisal value.

Light Rehab / Clean Turns

Capital for cosmetic updates designed to get tenants moved in and rent flowing immediately.

Bridge to Stabilization

Funding to carry you through the "Rent" phase until you have the seasoning required for a refinance.

Bridge to Refinance

A clear runway to reach the appraisal value needed for long-term DSCR financing.

Select Small Multifamily

Value-add BRRRR funding for 5+ unit apartment buildings (case-by-case).

Flipping instead? Explore our Fix & Flip Loans.

BRRRR Loan Rates & Terms

Term

What It Means

Minimum Loan Size

$100,000

Interest Rates

Competitive hard money rates based on experience

Term Length

Up to 24 months

Leverage / LTC

High-leverage options based on ARV

Credit Requirement

Asset-based; no minimum score hard cutoff

Rehab Funding

Draws released upon inspection of completed work

Prepayment

Available; ask about specific deal terms

The BRRRR Method with Mako Loans

The BRRRR strategy allows you to build a rental portfolio with limited out-of-pocket capital. Here is how our financing supports each step:

Buy: Use our hard money to close quickly on a distressed property that wouldn't qualify for a bank loan.
Rehab: Execute your value-add plan using our milestone-based draw schedule to fund 100% of the construction.
Rent: Once the property is "rent-ready," lease it to a tenant to stabilize the income.
Refinance: Use the newly created equity (ARV) to refinance into a long-term loan and pay off the Mako bridge loan.
Repeat: Use the proceeds from your refinance to fund the down payment on your next BRRRR deal.

DSCR Exit Strategy

A smart BRRRR exit starts with a clear plan. Our financing structure helps you move from purchase to rehab to refinance with confidence.

Building Your Exit Strategy from Day One

Smart BRRRR investors plan the exit before they buy. That’s why Mako Loans underwrites every rehab deal with the refinance in mind, so there are no surprises once the property is stabilized.

We partner with local and nationwide DSCR lenders to support a smooth transition into long-term financing. Throughout your loan, we can work with our partners to improve credit scores if needed, provide insight on realistic ARVs that will be supported by appraisals, gather multiple DSCR quotes, and help with the application process. Pair that with milestone-based draws that keep your rehab moving, and you get a clear path from purchase to renovation to refinance.

How this helps your BRRRR timeline

A simple structure that matches the way BRRRR projects actually move.

Purchase + Rehab

Fund acquisition and renovations with clear milestones.

Stabilize + Refi

Reach occupancy and DSCR targets for refinance.

Fast execution

Keep your project moving without funding delays.

Example BRRRR Construction Draw Schedule

Milestone 1

Demolition, framing, and rough-in plumbing/electric complete.

Milestone 2

Mechanical systems installed, drywall hung, and painting complete.

Milestone 3

Kitchens, baths, and exterior finishes finished (Property is rent-ready).

Maximizing Your Refinance Potential

To transition smoothly from our hard money loan to long-term debt, focus on:

Clean Documentation

Keep all invoices, permits, and before/after photos.

Lease Stabilization

A signed lease and proof of security deposit are vital for the next lender.

Accurate ARV

Ensure your renovation supports the comps in your local NY or MA market.

Insurance & Title

Maintain active builder's risk and clear title throughout the project.

Why BRRRR Investors Choose Mako Loans

We’re not just another lender, we’re your hometown partners in real estate success.

Fast Decisions

Quick underwriting when the file is complete.

Draw-Friendly Rehab Funding

Milestone-based draws tied to an approved budget.

Local Underwriting (NY & MA)

Work with people who understand your local market dynamics.

Built for Investors

Speak directly to your underwriter. Less back-and-forth.

Direct Access

Speak directly to your underwriter. Less back-and-forth.

Expectations Up Front

Know exactly what is needed to close and draw funds.

Regions We Actively Serve

We fund across New York (Capital Region, Central NY, WNY, Hudson Valley) and Western Massachusetts (Berkshires). Looking for local details? Explore our geo pages:

Local Coverage

Frequently Asked Questions About BRRRR Loans

Can you fund both the purchase and the rehab?

Yes. Our BRRRR loans are typically structured to cover a significant portion of the purchase and 100% of the renovation costs.

What is the benefit of using hard money for BRRRR?

Banks typically won’t lend on properties in poor condition. Hard money allows you to buy the property, fix it, and create the value necessary to qualify for a traditional bank refinance later.

How long do I have to refinance?

Our terms go up to 24 months, giving you plenty of time to complete the rehab and stabilize the property with a tenant.

Do you require a minimum credit score?

As an asset-based lender, we prioritize the property’s value and your exit strategy. We do not have a hard minimum credit score cutoff.

What is a "Seasoning Requirement"?

Most refinance lenders require you to own the property for 6 months before they let you use the new appraised value. Our 24-month terms ensure you have time to meet these requirements.

BRRRR Loan

Get Pre-Qualified for a BRRRR Loan

Submit a few details about your property and rehab plan. Our team will review your request and follow up with next steps.

Apply in minutes

60-second form: name, property, budget, timeline.

What We Fund

$100k+ hard money loans • New York & Massachusetts

Get Terms Fast

Deals reviewed and proof of funds sent quicky.

Funds at Closing

We coordinate title/attorney—funds wired once cleared.

BRRRR Loans in New York & Massachusetts