Delayed Financing Exception (0–180 Day Cash Replenishment)
Bottom Line Up Front (BLUF): When an investor buys a property with cash or a private bridge note, Delayed Financing allows an immediate cash-out refinance before the standard 6-month title seasoning window, capped at the lesser of 75%–80% of appraised value or 100% of documented cost basis.
Underwriting Formula / Rule
Max Delayed Financing Loan = Min(75%–80% Appraised Value, 100% HUD-1 Purchase Price + Documented Rehab).
Wholesale Shelf Benchmark
Available Day 1 after closing across 25+ wholesale DSCR shelves.
Frequently Asked Underwriting Questions
When can I use 100% of the new appraised ARV above my cost basis?
Most wholesale shelves unlock full appraised ARV cash-out at 6 months of title seasoning (and select shelves at 90 days when rehab is documented).
Arranged by Loan Daddy LLC (NMLS #2827624 · (480) 485-1229 · quotes@loandaddy.ai). Business-purpose investment properties only.