BRRRR (PH-adapted)

BRRRR (buy, rehab, rent, refinance, repeat) — the equity-recycling cycle: buy below market (3.6’s skills), renovate to force value and income, tenant it, refinance your capital back out at the new valuation, and roll the same pesos into the next unit. The PH adaptation the course insists on: cycles run in years, not the YouTube months — banks appraise conservatively, want a year-plus of seasoning (ownership + rental history), and demand full documentation — and each link must survive DSCR ≥1.25 stressed at +3% repricing. The chain’s stop rule is portfolio-level: recycled leverage ends where the system’s stressed DSCR or 12-month burn-covered cash would break.

First used in: 4.7 · The allocator’s dashboard