BRRRR Loans in
New York & Massachusetts
- Purchase + Rehab funding with rapid, draw-based renovation budgets
- Asset-based underwriting: Focused on ARV and future rental income
- Minimum loan amount: $100,000
- No hard pull to inquire
- Typical close ~7–14 days
- Min loan $100k
What are Hard Money BRRRR Loans?
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
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
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Plan the Exit Early
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Milestone Draws
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Bridge to Refinance
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DSCR Exit Strategy
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Strategy
Building Your Exit Strategy from Day One
BRRRR investing works best when your purchase, rehab, and refinance plan are aligned from the start. We structure loans to help you stay on track through every stage.
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✓Plan your refinance early
Know what lenders will look for and what milestones you need to hit.
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✓Milestone-based funding
Draws follow your rehab progress so you can move fast without guesswork.
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✓Bridge to stabilization
Support through rehab and lease-up so you can reach strong DSCR.
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
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?
What is the benefit of using hard money for BRRRR?
How long do I have to refinance?
Do you require a minimum credit score?
What is a "Seasoning Requirement"?
BRRRR Loan
Get Pre-Qualified for a BRRRR Loan
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.