BRRRR Title Seasoning Requirement
Bottom Line Up Front (BLUF): Title seasoning measures the elapsed time between the acquisition deed recording date and the new refinance note date. While 6 months (180 days) is the institutional benchmark for unrestricted ARV cash-out, select wholesale shelves allow 3-month (90-day) ARV cash-out with documented renovation receipts.
Underwriting Formula / Rule
0–90 Days: Cost Basis Cap | 90–179 Days: Select ARV Shelves | 180+ Days: Full 75%–80% ARV Cash-Out.
Wholesale Shelf Benchmark
90-day and 180-day ARV shelves shopped side by side by Loan Daddy LLC.
Frequently Asked Underwriting Questions
Does transferring title from my personal name to my LLC reset seasoning?
No, as long as the individual guarantor owns the same percentage (typically 100%) of the receiving LLC, continuity of ownership is preserved.
Arranged by Loan Daddy LLC (NMLS #2827624 · (480) 485-1229 · quotes@loandaddy.ai). Business-purpose investment properties only.