Higher Loan Amounts and Higher Leverage for Real Estate Investors
Idaho is one of the fastest growing real estate markets in the country. More people are moving to Idaho, job markets are expanding, and rental demand remains strong in many cities across the state.
As property values increase, investors need financing that helps them grow — not slow down.
Traditional banks often limit leverage, require full income documentation, and cap loan sizes. These limits can make it harder for investors to scale.
PRM Capital provides DSCR loans designed for real estate investors who want higher loan amounts, flexible underwriting, and financing built for portfolio growth.
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property’s rental income, not your personal income.
Instead of reviewing tax returns or W2 income, DSCR loans focus on one main question:
Does the property make enough rental income to cover the mortgage payment?
If the answer is yes, you may qualify.
This makes DSCR loans one of the best tools for investors building rental portfolios.
Idaho DSCR Loans for 1–4 Unit Investment Properties
PRM Capital finances:
• Single Family Rentals
• Duplexes
• Triplexes
• Fourplexes
These property types are strong performers in Idaho rental markets and work well for both new and experienced investors.
Why Many Investors Prefer 2–4 Unit Multifamily Properties
Many investors move into duplexes, triplexes, and fourplexes because they can perform stronger than single-family rentals.
More Rental Income
More units = more rent collected each month.
Lower Vacancy Risk
If one unit is empty, the other units can still produce income.
Higher Potential ROI
More income can increase your overall return on investment.
Stronger Loan Qualification
Multiple rental incomes can help improve DSCR ratios, which may help qualify for better loan terms.
For long-term portfolio growth, small multifamily properties can be powerful investments.
Idaho DSCR Credit and Leverage Options
Standard DSCR Tier
• Credit Score: 680 or Higher
• Purchase: Up to 80% LTV
• Cash-Out Refinance: Up to 75% LTV
Premier DSCR Tier (Stronger Borrowers)
• Credit Score: 740 or Higher
• Purchase: Up to 85% LTV*
• Cash-Out Refinance: Case-by-case
Higher leverage depends on borrower strength, property performance, and DSCR ratios.
Why Higher LTV Helps Investors Grow Faster
Higher leverage can help investors:
• Keep more cash in reserves
• Buy more properties faster
• Enter higher price markets
• Reuse capital for future deals
• Scale portfolios quicker
For many investors, leverage determines how fast they build wealth through real estate.
Higher DSCR Loan Amount Options
Many lenders limit DSCR loan sizes. This can slow down investors buying higher value properties or building larger portfolios.
PRM Capital works with lending partners that support larger DSCR loan amounts for qualified investors and strong rental properties.
Using DSCR Loans With the BRRR Method
The BRRR Method stands for:
Buy → Rehab → Rent → Refinance → Repeat
DSCR loans work well with BRRR because qualification is based on rental income.
Buy
Purchase below market value.
Rehab
Increase value and rental income.
Rent
Stabilize the property.
Refinance
Use DSCR to pull equity based on rental income and new value.
Repeat
Use that equity to buy the next property.
Why Investors Work With PRM Capital
Investors choose PRM Capital because we focus on helping investors grow.
We offer:
• Higher DSCR loan amount solutions
• Higher leverage options for strong borrowers
• Investor-focused underwriting
• Business purpose loans only
• BRRR-friendly refinance options
• Fast closings built for investors
Idaho Real Estate Investment Opportunity
Idaho continues to attract investors because of:
• Population growth
• Strong rental demand
• Expanding job markets
• Demand for single family and multifamily rentals
• Limited housing inventory in many areas
These trends help support strong rental income and DSCR loan qualification.
We Are Actively Seeking Idaho DSCR Borrowers and Referrals
PRM Capital is expanding DSCR lending in Idaho and is looking to connect with:
• Real Estate Investors
• Investor-Friendly Realtors
• Wholesalers
• Property Managers
• Builders and Developers
• BRRR Investors
• Private Lenders Needing Refinance Exits
If you work with investors in Idaho, we welcome referrals and partnerships.
Work With PRM Capital
If you are buying or refinancing a 1–4 unit rental property in Idaho and want financing designed for long-term growth, PRM Capital is ready to help.
Our goal is simple:
Help investors scale portfolios using DSCR financing built for real-world investing
DSCR Loans Idaho
