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- From BRRRR to Broker: Leveraging Your Rent Roll as Instant Credibility with Private Lenders
From BRRRR to Broker: Leveraging Your Rent Roll as Instant Credibility with Private Lenders
George Tsividakis
July 31, 2025
Convert the proof‐of‐performance you already own—your stabilized portfolio—into a second income stream brokering deals for other investors.
1 | Why BRRRR Veterans Have an Unfair Advantage
What You Already Do | Why Private Lenders Love It |
Track NOI & DSCR on every property | Shows you understand the numbers that drive approvals |
Manage contractors & budgets | Signals you can vet realistic rehab scopes for new borrowers |
Compile rent rolls & T-12s | Gives lenders instant confidence your projections are credible |
Navigate refis every 6–12 months | Familiar with appraisals, title, insurance—so files sail through |
When a lender sees a borrower’s deal packaged by a BRRRR operator, they’re predisposed to green-light higher leverage and faster funding—and they’ll happily pay you 1–2 points for that packaging skill.
2 | How the Fee Math Stacks Up
Example Deal | Your Role | Your Fee* |
$450 K Fix-&-Flip (85 % LTC) | Collect scope, rent comps, send to lender | $9 K (2 pts) |
$1.2 M DSCR Refi | Assemble rent roll, T-12, insurance, order appraisal | $12–18 K (1–1.5 pts) |
$2.5 M Small-Balance Bridge | Package docs + intro; lender handles rest | $25 K (1 pt referral) |
*Fees paid at closing by LoanFunders.com, outside consumer-loan RESPA caps.
Close three of those each quarter while running your own BRRRR business and you’ve added a low-overhead six-figure income stream.
3 | Turning a Rent Roll into “Broker Cred”
Create a Portfolio One-Pager
Units, locations, purchase date, current value, DSCR per asset.
Highlight Rehab & Refi Timeline
Bridge in, DSCR out—your lender sees you walk the walk.
Include Before/After Photos
Lenders and new investors trust renovation numbers when they see proof.
Attach 12-Month P&L
Demonstrates real cash flow, not theoretical pro-forma.
Upload that PDF with your first referral and most private-capital shops (👋) will bump leverage tiers immediately because you’re vouching for the borrower.
4 | Three Brokerage Paths for BRRRR Operators
Path | Paperwork | Avg. Payout | Best For |
Simple Referral | Sign our referral agreement | 0.5–1 pt | Hands-off; you just intro deals |
White-Label Broker | LLC + commercial broker reg. (varies by state) | 1–2 pts + YSP | You package full files; we ghost-underwrite under your brand |
Co-Sponsoring Borrower | JV agreement; own 5–10 % equity | Origination and profit share | You add experience to boost LTC, stay on advisory calls |
5 | Packaging a “Broker-Ready” Deal in 30 Minutes
Item | Where It Comes From | Why It Matters |
Purchase contract / LOI | Buyer | Establishes price & timeline |
Rehab budget (line item) | GC or your template | Lender sizes LTC quickly |
ARV comps grid | MLS pull—same as your flips | Verifies exit value |
Borrower credit snapshot | FICO soft-pull | Tier sets pricing |
Rent analysis (if DSCR) | Rentometer / local PM quotes | Confirms DSCR ≥ 1.15 |
Email this bundle to LoanFunders.com; we issue a term sheet in 24 hours—branded with your logo if you choose white-label.
6 | Common Rookie Mistakes (and Fixes)
Mistake | Quick Fix |
Sending incomplete budgets | Use our free CSI-formatted spreadsheet—no “misc” lines. |
Letting borrower argue ARV without comps | Require three sold + three active MLS screenshots. |
Ignoring credit until day of close | Soft-pull early; if FICO < 680, adjust LTC expectations. |
Forgetting exit strategy | Spell out flip vs. BRRRR; lender aligns terms & reserves accordingly. |
7 | Success Snapshot—“Rent-Roll Rick”
Portfolio: 18 SFR/duplex units, $3.1 M value
Started Brokering: January 2025
2025 Q1: 4 referrals, avg. $600 K loans → $44 K fees
Time Invested: ~4 hrs per file (mostly emails & uploading docs)
Bonus: Rick cross-sold property management on two deals—another $6 K/yr recurring.
8 | Your 5-Day Launch Plan
Day | Task |
1 | Compile rent-roll one-pager + before/after album |
2 | Sign LoanFunders.com referral or broker agreement |
3 | Email announcement to investor contacts: “Need fast capital? I can help.” |
4 | Book 15-min screening calls; use our intake form |
5 | Submit first file → get 24-hr term sheet → earn first 2 pts at closing |
Ready to Monetize the Portfolio You Already Own?
Send us your rent-roll résumé and first deal intake—we’ll deliver a co-branded term sheet within 24 hours and show you exactly where your 2-point payday lives.
Build wealth, then broker it.