Fix to Rent Loans Buy, Rehab and Hold
We connect real estate investors with fix to rent financing through our network of private money sources. Acquire and renovate with a hard money loan, then refinance into a long-term DSCR rental loan using the property's rental income to qualify. No W-2, no income verification, no cap on investment properties.
Loan Parameters
Fix to rent financing at a glance
Programs vary by capital source. Final terms disclosed at offer.
Fix and rent financing for buy and hold investors
Fix to rent loans are the financing engine behind the buy, rehab, rent and refinance strategy used by buy and hold real estate investors across the country. The strategy starts with a short-term hard money loan that funds the acquisition and renovation of a distressed property. Once the rehab is complete and a tenant is placed, the investor refinances into a long-term DSCR rental loan using the property's rental income to qualify rather than personal income. The cycle then repeats on the next acquisition.
The power of fix and rent financing is that it allows investors to build a rental portfolio without needing W-2 income, tax returns or a debt-to-income ratio that passes conventional bank standards. Self-employed investors, full-time real estate operators and investors with complex income structures all qualify on the same terms because both the hard money loan and the DSCR rental loan underwrite on the asset, not the borrower.
Buckle Up Capital is a broker, not a lender. We connect fix and rent investors with private money sources in our network who compete to fund both the short-term hard money acquisition loan and the long-term DSCR rental takeout. One relationship covers the full fix to rent cycle. Explore our DSCR loan programs or use the hard money loan calculator to model your deal before you apply.
Fix to rent loan programs
Fix to Rent Hard Money Loan
Acquisition and rehab financing for investors who plan to hold the property as a long-term rental. We connect you with private money sources in our network that fund both the purchase price and the renovation budget through construction draws released as work is completed. Terms run 6 to 24 months, giving you time to complete the rehab and place a tenant before the refinance.
Bridge to DSCR Refinance
Once your property is rehabbed and stabilized with a paying tenant, we transition you into a long-term DSCR rental loan through our network of capital sources. The DSCR loan qualifies on the rental income of the property rather than your personal income. No W-2, no tax returns and no debt-to-income calculation required. This is the exit strategy that converts your short-term fix to rent loan into permanent buy and hold financing.
Fix and Hold Portfolio Loans
For investors building a rental portfolio across multiple properties, portfolio lending allows you to consolidate several stabilized rentals under a single loan structure. Qualify on the blended rental income of the portfolio rather than each property individually. Designed for experienced buy and hold real estate investors who want to scale without hitting conventional lending caps on the number of financed properties.
Compare programs on our fix and flip loans page or run your numbers with the bridge loan calculator before applying.
How buy and hold investors use fix and rent financing
Buy Distressed
Acquire below market value using a short-term fix to rent hard money loan. Private money closes in 7 to 14 business days, giving you the speed advantage on off-market deals.
Rehab to Rent-Ready
Complete a renovation that brings the property to rent-ready condition and supports a market-rate lease. Construction draws fund in stages as work is verified.
Rent and Stabilize
Place a qualified tenant at market rent and season the income for 30 to 90 days. The signed lease becomes the primary input for DSCR loan qualification.
Refinance and Repeat
Refinance into a long-term DSCR rental loan using the property's rental income, not your personal income. Recover capital and redeploy it on the next fix and rent acquisition.
Build the Portfolio
Each stabilized rental property adds to your buy and hold portfolio. Portfolio loans allow you to consolidate multiple rentals under a single loan structure as you scale.
No Income Ceiling
DSCR loans carry no cap on the number of financed investment properties. Investors with complex income or self-employment structures qualify the same way as W-2 borrowers.
How to qualify for a fix to rent loan
Fix to rent loan qualification is asset-based on the hard money side. Private money sources in our network underwrite on the property value and after-repair value, not the borrower's income or employment. A 620 minimum credit score applies on most programs, but a strong deal in a well-located market carries more weight than the score alone. First-time investors are accepted on select fix and rent programs.
On the DSCR refinance side, the property's rental income does the qualifying. There is no W-2 requirement, no tax return review and no debt-to-income calculation. The DSCR ratio compares the gross monthly rent to the monthly loan payment. A ratio at or above 1.0 typically satisfies the minimum threshold. Investors with multiple properties in their rental portfolio qualify on the same terms regardless of how many financed properties they carry.
Explore our hard money lenders guide to understand private money underwriting, or go to DSCR loan programs to see how rental income qualifies the long-term hold.
Credit Score
620 minimum. Scores above 680 qualify for better DSCR refi pricing.
Down Payment
10 to 25% of purchase price depending on program and LTC.
ARV Underwrite
Hard money loan sized to 65 to 70% of after-repair value.
Loan Amount
$100,000 to $5,000,000 per property.
Income Verification
None. Asset-based underwriting on the hard money side. Rental income qualifies the DSCR refi.
Experience
First-time investors accepted on select programs.
Property Types
SFR, 2 to 4 unit, small multifamily.
Reserves
3 to 6 months of payments preferred after closing.
How fix to rent financing works step by step
Acquire a distressed property using a fix to rent hard money loan. The loan covers the purchase price and your renovation budget through construction draws. No income verification and no W-2 required. Asset-based approval in 24 to 48 hours with closings in 7 to 14 business days.
Complete the renovation using draw disbursements tied to inspection milestones. Bring the property to rent-ready condition with upgrades that support a strong market rent. The after-repair value determines your maximum loan amount at refinance.
Place a qualified tenant and stabilize the rental income. A signed lease at market rent is the key underwriting input for the DSCR refinance. Most capital sources in our network require 30 to 90 days of rent seasoning before the takeout loan funds.
Refinance into a long-term DSCR rental loan using the property's rental income to qualify. Pull cash out based on the stabilized appraised value. Repeat the strategy with the recovered capital on your next fix and rent acquisition.
The fix to rent cycle works because hard money underwriting focuses on the deal, not the borrower. A private money source in our network evaluates the property value, the projected after-repair value and the investor's plan to stabilize the rental income before refinancing. Personal income is not a factor on either side of the transaction. The hard money loan funds on the asset. The DSCR refinance funds on the rental income.
Use the hard money loan calculator to model your acquisition and rehab numbers, then run the bridge loan calculator to estimate your DSCR refinance terms before you apply.
Fix to rent loan questions
All loans facilitated by Buckle Up Capital are for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Loans are placed with lenders in our network. Rates and terms vary by capital source and are not a commitment to lend.
Ready to start your fix to rent strategy?
Submit your deal and we will run it through our network of private money sources. No credit pull. No commitment. Term sheet in 24 to 48 hours.
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