Investor · Texas
BRRRR Investor in Texas
Running the BRRRR strategy in Texas? 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 Texas
Texas has no deed transfer tax, but rentals pay the full property-tax rate without a homestead exemption, and the appraisal district may raise the value after renovations — which affects the DSCR on your refinance. Because the property is an investment, not your homestead, Section 50(a)(6) home-equity rules generally don't apply.
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.
