DSCR loans are one of the most powerful tools for real estate investors because they qualify you based on the property’s income — not your personal income. That means you can build a rental portfolio without worrying about debt-to-income limits. Here’s what you need to know: Loan amounts from $100,000 up to $3,000,000 Up to 85% LTV on 1–4 unit purchases 30-year fixed options available No income or employment verification 680+ credit required, best terms at 720+ The property just needs to cash flow. Now here’s how this strategy actually works. One of our Alabama clients purchased a property for $75,000. No rehab needed — the previous owner had already done all the work. The property appraised for $148,000. That means they walked into the deal with over $70,000 in equity on day one. We’re now using that equity through a DSCR refinance to cover the down payment and closing costs on their next purchase in Birmingham. No new cash out of pocket. They keep the original property as a rental and use the equity to acquire another. This is why it’s so important how you buy. The deal is made on the purchase. If you can buy below market value, you’re creating leverage before you even close. That equity becomes your tool to scale. When you refinance, your loan and payment will increase, so timing matters. Refinance when rates make sense, increase rents when the market allows, and always make sure the property still cash flows after. This is why it’s so powerful to buy off-market deals with equity already built in. You’re not just buying a property — you’re creating your next opportunity at the same time. If you want help structuring DSCR deals like this, message me directly.

If you’re trying to scale without tying up your cash, this is how the numbers work. You’ll need a 680+ credit score. This is a 12-month fix and flip loan with deferred payments, so no monthly payments during the rehab. Example deal: Purchase: $75,000 ARV: $130,000 Down Payment (15%): $11,250 Closing costs (4.5%) are financed, so the only cash you bring is: Down payment: $11,250 Title fees: ~$2,000–$2,500 Builder’s risk insurance: ~$1,000–$1,500 Total cash in: about $14K–$15K After rehab, you refinance at 75% of ARV: New loan: $97,500 Payoff Rehab Loan: ~$70K–$75K Cash back: ~$22K–$27K You recover your money and keep the property as a rental. This is how investors scale — Buy, Rehab, Refinance, Repeat. Note: Always run your numbers before going under contract. Not every deal has enough equity to pull all your cash back out. If not, your profit comes from the monthly rent. If you want help structuring a deal like this, message me directly.

Everyone- Please Post: Name: Hometown: Real estate experience (If just curious say why you are interested in real estate): Real estate goals (Optional): If you have any questions- please post them! How This Community Works (Read) Community Rooms (What Each One Is For) General Discussion This is the main hub. - Ask questions - Get announcements - Discuss strategy, operations, financing, and scaling - Post updates or wins If you’re unsure where something belongs, post it here. Deal Room This room is for real, vetted deals by us, ready for you to buy. Every deal here has already been sent to us and underwritten by our team - These are deals we are passing on but are solid enough for you to review and potentially buy - Use this room to analyze deals, ask smart follow-ups, and decide if it fits your criteria 🚫 Wholesalers and realtors do not post here. If you have a deal for us please use the link in the general discussion. Deal Review This is where you submit deals for breakdown. - Post deals you want us to underwrite live - Be prepared for honest feedback—why a deal works or why it doesn’t - Include real numbers (purchase price, rehab, ARV, rents, etc.) This room only works if deals are serious and complete. Low-effort posts may be skipped. The Curriculum The curriculum is being released in phases as it’s recorded. It focuses on: - How we actually source deals - How we fund them - How we underwrite conservatively - How we manage rehabs - How we refinance and scale portfolios This is practical, execution-focused content, not theory. More modules will be added over time—check the Classroom regularly. Live Schedule Weekly Live — Wednesdays at 6 PM On the live calls we: - Review deals from the Deal Review room - Walk through deals posted in the Deal Room - Break down numbers, rehab assumptions, and financing - End with open Q&A From time to time we’ll also bring on: - Lenders - Title agents - Experienced investors

We are offering 100% financing options in: Kansas Missouri Texas Connecticut North Carolina Florida Nebraska Great for investors who have little to no money down and want to scale quicker. Max out of pocket: ~ Estimated Closing Costs (Not Financed)- 1.5% • $500 Processing Fee • Title company fees • Property insurance What is Financed: • Purchase price • Rehab costs • Lender holding costs • Rehab funds paid up front at closing (not draws — most lenders do draws, we fund at the closing table) To Issue Terms — Send: • Property address • Purchase amount • Rehab amount • ARV • Credit score • Experience level Experienced Investor Program • 700+ Credit • 5+ flips completed in last 12 months • Ideal for seasoned investors with successful exits Non-Experienced Investor Option • 620+ Credit possible • Can finance down payment and closing costs • Deferred payments available • Out of pocket = insurance + title Deal must have enough equity to pay off lender at refinance or sale. Send us your deal if it’s in one of these states and we can issue terms. [email protected] 941-932-4142

If your goal is to Buy → Rehab → Rent → Refinance → Repeat without waiting months to access your equity, this program is designed for you. What This Program Offers • No seasoning — Buy today, rehab tomorrow, refinance once stabilized • Designed for BRRR investors who want to scale quickly • No lease agreement required for refinance • Scope of work required for rehab projects • Target property value: $135,000 or higher Cash-Out Refinance Guidelines • 75% LTV — 680+ credit score • 80% cash-out LTV — 720+ credit score This is a strong option for investors looking to pull equity fast and roll funds directly into the next deal without long hold periods. To schedule an appointment to discuss your scenario:Book here →https://outlook.office.com/bookwithme/user/188bd0565bbe424289dba081fae83bfd%40prmcapital.net?anonymous&ismsaljsauthenabled=true PRM Capitalwww.prmcapital.net