Absolutely—if you adjust your approach. Investors using the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) in the high-interest market of 2025 are navigating a more complex lending environment, especially in markets like Kentucky, Indiana, and Ohio. But with a disciplined strategy, it’s still possible to grow your rental portfolio.
1. Stick to a Conservative Buy Box
With interest rates higher, you need to buy properties below market value with strong rental potential. Focus on deals where you can add value and raise rents post-rehab. Zillow’s investment property search is a great tool for finding distressed opportunities.
2. Prepare for a Tougher Refinance
Lenders are more conservative in this market. Lower loan-to-value ratios and higher debt service requirements mean you must budget for more equity staying in the deal. That’s where MM Lending’s flexible rehab loans help bridge the gap before you transition to long-term financing.
3. Rent With Realistic Cash Flow in Mind
Cash flow is more critical than ever. In states like Ohio, rent demand remains strong, but you need to underwrite carefully. Include buffers for vacancies and maintenance—and plan your exit if cash flow tightens.
4. Leverage Private Lending to Stay Agile
The key to BRRRR success is speed. With MM Lending’s short-term funding, you can move quickly on deals and rehab with confidence, even while rates fluctuate. Check out our loan programs designed for real estate investors.
Bottom line: Yes, the BRRRR strategy in a high-interest market still works—if you stay focused, adjust your expectations, and use the right tools. Whether you’re investing in Louisville, Indianapolis, or Cincinnati, the fundamentals of BRRRR remain sound with careful planning.
For more insight, read our post on how DSCR loans support rental investors, or contact one of our many experts directly via phone, email, or our online contact form.
