Buy. Rehab. Rent.
Refinance. Repeat.
The BRRRR strategy is how serious investors scale portfolios fast. Rate Hero finances every stage — from acquisition to cash-out DSCR refinance. No W-2s. No tax returns. Just the deal.
🔒 No SSN required · No credit pull · 100% confidential
Five Steps.
One Repeating Machine.
Each cycle of BRRRR recycles your capital — so you can acquire the next property without tying up all your cash. Rate Hero handles the refinance step, which unlocks everything else.
property. Acquire it.
Force appreciation.
Stabilize cash flow.
Scale your portfolio.
Without the refi, BRRRR is just a buy-and-hold with expensive debt.
A cash-out DSCR refinance pulls your equity back out so you can buy the next property. We qualify entirely on the rental income — no W-2s, no tax returns, no personal income at all. That's how investors go from one property to ten.
Start My BRRRR Refi →Can You Qualify?
Find Out in 10 Seconds.
DSCR stands for Debt Service Coverage Ratio. It measures whether your rental property earns enough to cover its mortgage payment. Most lenders require 1.0 or higher. Rate Hero offers sub-1.0 DSCR programs down to 0.75, plus no-ratio (0.00 minimum) options for qualified borrowers.
PITIA = Principal + Interest + Taxes + Insurance + Association dues. If your monthly rent divided by your PITIA is 1.0 or above, you qualify with most lenders. Rate Hero offers sub-1.0 DSCR programs down to 0.75, plus no-ratio (0.00 minimum) options for qualified borrowers.
No SSN · No credit pull · Takes 2 minutes
Built for
Serious Investors
If you're running the BRRRR strategy, you think in cycles — not single transactions. Here's how Rate Hero fits into each phase.
You're mid-cycle with a stabilized rental and need to pull cash out to fund your next acquisition. This is our bread and butter.
Finished the rehab and placed a tenant? Refinance out of hard money or a personal loan into a 30-year DSCR. Lock in your equity.
Scaling from 2 to 10+ properties? We close loans in LLCs and have no cap on how many properties you can finance with us.
Write-offs killing your qualifying income on paper? DSCR loans ignore your personal income entirely. The property qualifies itself.
Running Airbnb or VRBO properties? We use your actual platform income — or AirDNA projections — to qualify the DSCR refi.
Non-US residents building US rental portfolios can access DSCR refinancing with alternative documentation. No US credit needed.
BRRRR Financing FAQ
No. A DSCR loan qualifies based entirely on the rental property's income — not yours. No W-2s, no tax returns, no personal income verification. If the rent covers the mortgage payment (DSCR ≥ 1.0), you likely qualify.
Most DSCR programs have no seasoning requirement on the tenant — you just need a signed lease or a market rent analysis from the appraisal. Some programs require 3–6 months of ownership, but we have options with minimal or no seasoning.
Up to 75–80% LTV on cash-out refinances. So if your property appraised at $300,000 and you owe $150,000, you could potentially pull out up to $90,000 cash — which goes toward your next BRRRR acquisition.
Yes. We close DSCR loans in LLCs, partnerships, trusts, and other entity structures. This keeps investment properties off your personal credit and separates your portfolio liability from your personal assets.
Rate Hero offers sub-1.0 DSCR programs down to 0.75, plus no-ratio (0.00 minimum) options for qualified borrowers. If your DSCR is below 0.75, our no-ratio program may still qualify you for purchase, refinance, or cash-out.
Ready to Recycle
Your Capital? Let's Go.
Cash-out DSCR refi. No income docs. Close in 21 days. Fund your next deal.
Start My BRRRR Refi →100% confidential · No credit pull · No SSN required