BRRRR & Cash-Out · Structural Underwriting Calculator · carcrashnegotiator.com

0–90 Day Delayed Financing vs. 6-Month ARV Cash-Out Seasoning Analyzer

Compare maximum cash-out proceeds under 0–90 Day Delayed Financing (lesser of 75% ARV or 100% HUD-1 Purchase + Rehab Cost) vs. 3-Month and 6-Month Full-ARV DSCR Cash-Out shelves.

Direct Answer · BRRRR Seasoning Analyzer Underwriting Rule

Under wholesale DSCR seasoning rules, refinancing within 0–90 days of acquisition typically caps proceeds at 100% of documented HUD-1 purchase price plus verified rehab costs (up to 70%–75% ARV), while waiting 90–180 days unlocks full appraised ARV cash-out up to 75% LTV.

2. BRRRR & Delayed Financing Seasoning Analyzer

Purchase Price ($)

Verified Rehab Budget ($)

Appraised After-Repair Value (ARV $)

Days Since Acquisition (110 Days)

0–90 Days (Delayed Financing)

$315,000

Capped at 100% LTC ($315,000)

91–179 Days (3-Mo ARV Shelf)

$308,000

Up to 70% of Appraised ARV

180+ Days (6-Mo Standard ARV)

$330,000

Up to 75% of Appraised ARV

Want Loan Daddy LLC (NMLS #2827624) to Run Your Exact Deal Across 50+ Wholesale Shelves?

Compliance Note: Educational structural underwriting models only; zero interest rates, APRs, or points are quoted. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · (480) 485-1229) is a mortgage broker, not a lender.

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