Yes — and it might be your fastest path to scale.

If you’re using the BRRRR strategy to build long-term wealth through real estate, you already know the playbook:

Buy, Rehab, Rent, Refinance, Repeat

But here’s where many investors hit a wall — the refinance part.

Traditional lenders often require:

• Full tax returns
• W-2s or personal income
• Strict debt-to-income (DTI) ratios

That’s a problem for full-time investors and self-employed borrowers.
👉 DSCR loans offer a solution — and they pair perfectly with the BRRRR model.

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✅ Why DSCR Loans Work for BRRRR

DSCR loans qualify you based on the rental income of the property — not your personal income, job, or tax returns.

That means:

• You can refi quickly after renting the property
• Your loan is based on property performance, not paperwork
• You can repeat the BRRRR cycle faster

📘 It’s all about cash flow — not credit files.

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🔁 When in the BRRRR Cycle Can You Use a DSCR Loan?

✔️ After Rent Is In Place

Once the property is stabilized (tenant in place, or market rent ready), you can:

• Order a new appraisal
• Use that value to refinance
• Pull out equity (cash-out DSCR options available)
• Reset the debt based on rental cash flow

DSCR loans don’t require a seasoning period with some lenders — meaning you may not need to wait 6–12 months to refi.

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📊 Example Scenario

🛠️ Bought & rehabbed a duplex for $200K
🏠 Now appraises at $300K with $2,800/mo rent
💰 DSCR loan allows 75% LTV refinance = $225K
✅ Use equity to fund next property

💡 Your cash flow becomes your qualification — not your tax bracket.

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📋 What You’ll Need

• Rent roll or lease agreement
• Appraisal with market rent or income approach
• Credit score 620–680+
• Down payment or equity (20–25%)
• Proof of reserves (usually 3–6 months)

No personal income docs. No DTI calculations. No delays because your W-2 looks “too light.”

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🧠 Tips to Make BRRRR + DSCR Even Stronger

✅ Buy in high-rent areas (boosts DSCR)
✅ Keep rehab budgets tight to improve equity margins
✅ Stabilize with quality tenants quickly
✅ Work with a lender who understands BRRRR + DSCR flow
✅ Don’t over-leverage — keep room for strong ratios

We’ll help you calculate projected DSCR before you even start the rehab.

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🏢 Why PRMI?

PRMI is a direct lender with strong DSCR programs, including:

• Cash-out refinance options
• No seasoning period (in some cases)
• Quick closings for experienced and first-time investors
• In-house processing and support throughout

If you’re serious about scaling your portfolio, we’re the team that helps you execute the plan.

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👇 Want to Use a DSCR Loan for Your BRRRR Refi?

Let’s look at your rent, rehab numbers, and appraisal — and map out the refinance so you can move on to your next deal.