More doors. More cash flow. Less red tape.

If you’re serious about building a real estate portfolio — whether it’s long-term rentals, short-term vacation homes, or both — you’ve probably run into one of the biggest growth killers:

👉 Traditional loans eventually say “no.”

They cap your financed properties. They scrutinize your income. They stall when your tax returns don’t tell the full story.

That’s why smart investors are turning to DSCR loans — no-income-verification mortgages that leverage your cash flow instead of your tax bracket.

Here’s how these loans make it possible to scale your portfolio faster, smarter, and without limitations.

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🧾 The Problem With Scaling the Traditional Way

Conventional loans limit growth because:

• You hit the 10-financed-property cap
• You need tax returns, W-2s, and stable income
• Your DTI gets maxed out
• Self-employed income is often understated
• You need tons of reserves as you grow

📘 It’s not a question of how many properties you want — it’s how many traditional lenders will allow.

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✅ DSCR Loans Let the Property Do the Talking

Instead of focusing on you, DSCR lenders look at:

• Monthly rental income
• Property taxes, insurance, and HOA dues
• DSCR ratio (ideally 1.00+)

As long as the deal cash flows, you’re in business — even if:

• You’ve maxed out traditional loans
• You’re self-employed, retired, or earning 1099
• You own 15+ properties already

💡 No income. No employment verification. No personal DTI. No tax returns.

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🔄 How to Scale With DSCR Loans

Here’s how experienced investors use these loans to grow:

1. Buy a property with DSCR
2. Stabilize or renovate to increase rent
3. Cash-out refinance based on new value
4. Use equity to buy the next property
5. Rinse and repeat — no income caps

This is a core strategy behind:

• BRRRR investing
• Airbnb/STR growth
• Multi-unit residential expansion
• Long-term wealth creation

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🧠 Scaling Example

Step	Property	Equity Move	Outcome
1	Buy $300k rental (DSCR 1.25)	25% down	$750/mo cash flow
2	Cash-out refi after appreciation	Pull $40k	Buy next deal
3	Reinvest in $350k STR	DSCR 1.35	Scale to 3+ units in 18 months

✅ All without touching your W-2s or triggering DTI limits.

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🔧 Pro Tips for Portfolio Scaling

• Use LLCs when possible (we offer DSCR loans to LLCs)
• Refi into DSCR after fixing/flipping with hard money
• Keep detailed rental records (leases, deposits, expenses)
• Use tools like AirDNA or 12-month rent analysis for STR deals
• Partner with a lender who actually specializes in investor strategy

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🏢 Why PRMI?

We help portfolio investors:

• Buy multiple properties without income docs
• Reinvest equity via cash-out DSCR refis
• Strategically use leverage across short- and long-term rentals
• Structure deals inside LLCs or personal names
• Scale smarter with lending that grows with you

Your W-2 isn’t your ceiling anymore. Let the cash flow speak for itself.

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👇 Want to Scale Your Real Estate Portfolio With DSCR Loans?

Let’s map out your next few deals, check your DSCR numbers, and show you how to use one rental to fund the next.