Build Your Rental Portfolio Faster with BRRRR Capital
Buy, Rehab, Rent, Refinance, Repeat. We provide the initial acquisition and construction capital you need to turn distressed Alberta properties into cash-flowing, bank-ready rental assets.
The Missing Link in Your BRRRR Strategy
The BRRRR method is the fastest way to build generational wealth, but there is one major roadblock: Traditional banks will not give you a 30-year mortgage on a gutted house. If you find a deeply discounted property that needs a new kitchen, roof, and floors, the "Big 5" Canadian banks will deny the loan. They want turn-key rentals; you want forced equity.
The AJS Solution
We are the bridge to your refinance. We don't care if the property is currently unlivable. We fund the acquisition and 100% of the rehab costs based on the After Repair Value (ARV). You use our capital to fix the property and place a tenant. Once the property is stabilized and cash-flowing, you refinance with an A-lender to pay us out, keeping the asset and recycling your initial cash for the next deal.
How Our BRRRR Loans Work (The Process)
Buy
The best BRRRR opportunities don't wait for 60-day bank approvals. Speed is your greatest negotiating tool. We provide the fast, reliable acquisition capital you need to submit aggressive, cash-equivalent offers with zero financing conditions. We issue term sheets in 24 to 48 hours and fund your purchase in a fraction of the time of a traditional Canadian bank.
Rehab
We fund 100% of your construction budget in predictable draws so you can force equity into the asset.
Rent
You finish the rehab and place high-quality tenants, stabilizing the property's Net Operating Income (NOI).
Repeat
With your initial capital successfully pulled back out of the stabilized asset, you are ready for your next acquisition. Because we underwrite the asset and not your personal debt-to-income limits, you can bring us your next deal right away without hitting institutional lending caps. Recycle your capital and scale your portfolio endlessly.
Refinance
With no pre-payment penalties, you refinance with a traditional bank or CMHC lender based on the new, higher appraised value to pay off your AJS Capital loan.
BRRRR Loan Guidelines
We engineer the short-term financial scaffolding required to get your property bank-ready.
Up to 80% of After Repair Value (ARV): We fund the purchase and 100% of the rehab costs, capped at 80% ARV.
Zero Pre-Payment Penalties: The core of the BRRRR strategy is the refinance. We never penalize you for paying us off early.
Interest-Only Payments: Keep your monthly carrying costs as low as possible while the property is vacant and under construction.
Terms: Flexible 3 to 18-month terms designed to give you enough time to rehab the property and wait out any required bank "seasoning" periods.
Property Types: Single-family, duplexes, 4-plexes, basement suite additions, and small multi-family.
No Application Fee
No Appraisal Required
No Pre-payment Penalty
No Income Verification Required
* Rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only.
BRRRR Investor FAQs
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While you do not need a firm approval from an A-lender on day one, we do look closely at your exit strategy. We want to ensure that your ARV, expected rental income, and personal financial profile will allow you to successfully refinance out of our loan once the rehab is complete.
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Absolutely. Adding a legal secondary suite is one of the most effective ways to force equity and boost the cash flow required to secure a great traditional refinance rate. We regularly fund the construction of legal suites.
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Yes, our loans require monthly interest-only payments. However, because you are only paying interest on the funds you have drawn, your payments stay low during the early phases of construction.
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Absolutely. We understand that Canadian A-lenders and CMHC often require 6 to 12 months of rental history (or title holding) before they will approve a cash-out refinance on a newly stabilized asset. We typically structure our BRRRR loans with flexible 6 to 18-month terms, giving you ample time to finish construction, place a great tenant, and wait out the bank's seasoning requirements without stressful deadlines.
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While we can cover 100% of your rehab budget and a large portion of the acquisition, our maximum total loan amount is capped at 80% of the After Repair Value (ARV). You will be responsible for bringing the remaining down payment (typically around 20% of the total project cost), plus closing costs and the loan origination fee. We require our borrowers to have some "skin in the game," but our high leverage allows you to stretch your capital much further than a traditional bank would allow.