Investor · Florida
BRRRR Investor in Florida
Running the BRRRR strategy in Florida? We pair short-term acquisition financing with a long-term DSCR refi exit.
Common challenges we solve
- Need acquisition + rehab capital
- Want a planned refi exit
- Trying to recycle capital quickly
What you get with Lumos
Bridge → DSCR refi pipeline pre-mapped
Cash-out based on after-repair value (business-purpose loans)
Same broker through the whole cycle
What's different in Florida
In Florida, documentary stamp tax is due on the deed when you buy, and on the new note when you refinance — plus intangible tax on the new mortgage — so the refinance step has its own closing costs to plan for. Insurance on an older Florida home can drop noticeably after a new roof and wind-mitigation upgrades, which helps the DSCR.
Loan programs that typically fit
Frequently asked
- How fast can I refi after rehab?
- As soon as the property is rent-ready — many DSCR lenders allow seasoning waivers.
- How is ARV determined?
- Standard appraisal with completed-rehab valuation.
