In real estate investing, the BRRRR Method—buy, rehab, rent, refinance, repeat—is a powerful strategy for building wealth through rental properties. However, as many investors discover, the refinance step can make or break the entire process. Traditional lenders often create roadblocks with extensive paperwork and strict personal income requirements, which tie up your money and slow down the process.
Debt service coverage ratio (DSCR) loans shift the focus to the property’s rental income and bypass much of the borrower’s paperwork. This approach suits self-employed investors who rely on strategies like the BRRRR Method. Easy Street Capital’s EasyRent DSCR loan product is designed specifically to quickly help investors refinance rental properties, recover capital, and move forward.
A BiggerPockets article detailed how one investor navigated these challenges by using a DSCR loan to turn a stalled project into a viable model. Below is a breakdown of the account, the role of DSCR loans in real estate, and how loan products like EasyRent support the BRRRR process.
Common Refinance Obstacles in BRRRR Investing#
This investor acquired a single-family home for $145,000 and spent $40,000 on renovations, including flooring updates, kitchen modernization, and exterior improvements. The result: a tenant paying $1,650 monthly, with the property appraising at $225,000.
On paper, the deal looked solid. However, conventional banks required two years of tax returns, W-2s, income proof, and employment history—requirements that don’t fit the profile of many self-employed real estate investors. Business write-offs made the investor’s adjusted gross income appear low, leading to denial despite the property’s solid performance. Such obstacles are common in BRRRR investing. Without a successful refinance, funds remain tied up, disrupting the “Repeat” phase and limiting growth. Partnering with the wrong DSCR lender can halt this process entirely.
DSCR Loans for the BRRRR Method#
DSCR loans change the game by assessing the property’s debt coverage through rent rather than paperwork. Key features include:
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- No Personal Income Verification: Skip the W-2s, tax returns, and income statements. If the rental income covers the mortgage, approval is straightforward.
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- Focus on Property Performance:Lenders review lease agreements and expected expenses to ensure the investment stands on its own.
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- Faster Closings: Ideal for BRRRR investors needing to quick access to capital after rehab.
In the featured story, a tip from a local investor meetup led to the exploration of DSCR Loans. The investor refinanced at 75% loan-to-value (LTV), securing $168,750—enough to recover most of the initial investment and fund the next deal. The process took less than 30 days, with a DSCR over 1.2 based on $1,650 monthly rent against a $1,350 mortgage.
This refinance didn’t just free up cash; it restored the BRRRR flywheel, allowing the investor to scale without being burdened by paperwork.
How EasyRent DSCR Loans Fit the BRRRR Method#
At Easy Street Capital, we specialize in investor-focused lending that aligns with strategies like the BRRRR Method. Our EasyRent DSCR Loans stand out for several reasons:
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- Investor-Focused Approach:We understand self-employed investors and don’t penalize business write-offs or irregular income.
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- Smooth Process: Submit basic property docs like lease agreements and let the numbers do the talking. No endless requests for personal financials.
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- Quick Turnaround: Refinance out of high-interest hard money loans in weeks, not months, to keep your real estate investing momentum going.
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- Flexible Qualification: If your rental property’s income covers the debt service, you’re positioned for approval—perfect for single-family homes, multifamily units, and beyond.
Investors who have borrowers through the EasyRent loan program note skipping the “paperwork nightmare” allowed them to reuse capital faster and build portfolios without personal finance constraints. It’s not just about one refinance; it’s about making the BRRRR Method sustainable for long-term wealth building.
Tips for Avoiding BRRRR Setbacks#
The article offers valuable takeaways for anyone diving into the BRRRR Method:
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- Choose the Right Lender First: Partner with lenders like Easy Street Capital that think like investors, not traditional banks.
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- Prioritize Property Cash Flow: Ensure your rental income exceeds mortgage payments to qualify for DSCR Loans effortlessly.
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- Scale with Confidence: By focusing on asset performance, you can refinance rental properties repeatedly and avoid capital traps.
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- Learn from Real Stories: Real estate investing success often comes from adapting strategies based on others’ experiences.
Whether you’re a BRRRR beginner tackling your first fixer-upper or a seasoned pro optimizing your portfolio, DSCR loans can eliminate refinance roadblocks and accelerate growth.
Ready to Optimize Your BRRRR Strategy?#
Stories like this demonstrate the transformative power of the right financing in real estate investing. If you’re facing similar challenges with conventional lenders or want to explore how EasyRent DSCR loans can fuel your new BRRRR deal, we’re here to help.
For the full details on this investor’s journey—from rejection to repeatable wealth—check out the original article on BiggerPockets by clicking the button below.
Read the Full Article on BiggerPockets!
At Easy Street Capital, we’re committed to empowering investors with tools like EasyRent to make real estate dreams a reality. Contact us today to learn more about DSCR loans and take your BRRRR method investments to the next level.
About the Author#
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