No-Seasoning Refinance Calculator

See how fast you can recycle capital with a no-seasoning refinance.

What This Tool Does

Traditional lenders require a 6-12 month seasoning period before you can refinance. The No-Seasoning Refi Calculator shows you how to bypass that wait and recycle your capital immediately after rehab is complete. Model your initial investment, new appraised value, and refinance terms to see how much capital you can pull out — and how quickly you can deploy it into your next deal.

Capital Left in Deal

$14,000

Capital Recovery

94.7%

Monthly Mortgage

$1,697

1Acquisition Costs

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$
$

2Refinance Details

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50%80%
%
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$Investment Summary

Purchase Price$200,000
Rehab Cost$60,000
Closing Costs on Purchase$5,000
Total Cash Invested$265,000

RRefinance Summary

After-Repair Value (ARV)$340,000
New Loan Amount (75% LTV)$255,000
Refinance Closing Costs-$4,000
Cash Back at Refinance$251,000
Capital Left in Deal$14,000
Capital Recovery %94.7%

ELoan & Equity Details

Monthly Mortgage (P&I)$1,697
Equity Position$85,000
Time Saved vs 6-Month Seasoning6 months

Ready to refinance?

Skip the 6-month wait and recycle your capital now. Get pre-qualified for a no-seasoning refinance — close in as few as 10 days.

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What You'll Need (Inputs)

  • ●Original purchase price
  • ●Total rehab spent
  • ●New appraised value (ARV)
  • ●Refinance LTV
  • ●Refinance loan terms
  • ●Closing costs

What You'll Get (Outputs)

  • ●Maximum refinance loan amount
  • ●Net cash back to you
  • ●Capital left in deal
  • ●Time saved vs traditional seasoning
  • ●Annualized return impact

Perfect For

Related Loan Program

No-Seasoning Cash-Out Refi →

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