What's the difference between a buy-and-hold loan and a fix-and-flip loan?

The exit. A flip loan is paid off when the property sells. A buy-and-hold rehab loan is paid off by refinancing and keeping the property as a rental.

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Buy, Rehab, Rent, Refinance, Repeat

Buy-and-Hold Loans for Rental Investors

Short-term rehab financing built to roll into long-term debt once the property is stabilized and rented, so your capital comes back out and goes into the next one.

📞 Call Me to Discuss: (707) 331-2441 Corrine Salazar-Rose · NMLS #2453071

How It Works

Financing Built Around the BRRRR Strategy

Buy-and-hold financing is short-term rehab money designed for investors following the Buy, Rehab, Rent, Refinance, Repeat approach. You acquire a property that needs work, fund the renovation, get it leased, and then refinance into permanent financing based on the improved value.

The part most investors underestimate is the handoff. A rehab loan that closes easily but can't be refinanced cleanly at the end will trap your capital in the deal. As a Mortgage Solutions Specialist with NEXA Lending, I structure the front end with the refinance already in view, so the exit is planned rather than improvised.

Why Investors Choose Corrine

What You Get With Corrine Salazar-Rose

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Acquisition Plus Rehab

Financing structured to cover the purchase and the renovation budget, so you're not funding the work out of pocket.

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The Refinance Planned Up Front

We look at what the takeout lender will require before you close on the rehab loan, not after the work is done.

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Qualified on the Property

Once it's rented, DSCR and investor programs can qualify the refinance on the property's cash flow rather than your tax returns.

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Built to Repeat

The whole point is doing it again. I structure each deal so the next one is easier, not harder.

The Process

A Simple, Straightforward Path Through the BRRRR Cycle

Buy

Short-term financing to acquire a property that needs work.

Rehab

Renovation funds release in draws as the work is completed.

Rent

Get it leased so the property has real income on paper.

Refinance

Move into permanent financing based on the improved value.

Repeat

Pull your capital back out and put it to work on the next deal.

Where I Help Investors

Buy-and-Hold Financing in California and Oregon

Corrine Salazar-Rose is licensed in California and Oregon, with the ability to assist clients in additional states as needed. Whether it's your first rental or your tenth, I'll help you structure financing that gets your capital back out and working again.

📞 Call Me to Discuss: (707) 331-2441

FAQs

Frequently Asked Buy-and-Hold Questions

What's the difference between this and a fix-and-flip loan?

The exit. A flip loan is paid off when you sell the property. A buy-and-hold rehab loan is paid off when you refinance and keep it as a rental. The rehab phase looks similar, but the financing is structured around two very different endings.

How much of my own money stays in the deal?

That depends on what you paid, what the rehab costs, and where the property appraises once it's finished and rented. The goal of the BRRRR approach is to pull most of your capital back out at the refinance, but it comes down to the numbers on the specific deal.

Do I need the property rented before I can refinance?

Usually yes for DSCR-style programs, since they qualify on the property's rental income. Some programs work differently. That's one of the questions we settle at the beginning so there are no surprises when it's time to refinance.

Can I do this with my first investment property?

Yes, though first-time investors typically see different terms than someone with a track record. If this is your first one, call me and I'll walk you through what lenders will be looking at and where to start.

Looking at a Rental That Needs Work?

Call me and walk me through the purchase price, the rehab budget, and what you think it rents for. I'll tell you honestly whether the refinance is going to work on the back end.

📞 Call Me to Discuss: (707) 331-2441 Corrine Salazar-Rose · NMLS #2453071 · NEXA Mortgage LLC NMLS #1660690

Corrine Salazar-Rose is a Mortgage Solutions Specialist with NEXA Lending, helping buyers, investors, and homeowners in California and Oregon find the loan program that fits.