I have 3 SFH rentals where I live in NJ and I use the BRRRR method for my investing.Is that a thing I can do in Panama?

Here is a method I like to use. 

One of the good things about DSCR Lenders is that the guidelines and programs are different and not cookie-cutter 100% equivalent like conventional lenders that all must mirror the GSEs, etc.Most DSCR Lenders will have similar rates and terms and generally similar processes - so generally what will make the "best" one is the best one for your needs - I would focus on any specialties or niches - like short term rentals, if you do multifamily or mixed use, BRRRR Method or focus in on a specific market - find someone who specializes and has a good track record in that niche or area

At least for the first and second time, after that I will consider other methods.

For ex, do you have a CFO with 0% equity?

Depending on how everything is set up, what you consider a max for retirement account contributions may only be the 20k limit whereas you can go up to ~$70k in total with other methods.

.- If still skeptical, ask for personal references from employers, community leaders, or other respected individuals who can vouch for their character and reliability.By using these methods, you can make a more informed decision about renting to this couple, giving them a fair evaluation while also protecting your interests as a landlord.

If not, agree they need to pay you with a different more verifiable method or you start the eviction process.I have had so many tenants with no bank accounts. 

The BRRRR method is definitely NOT the most comfortable way to get started, but it's so worth it and you learn so much along the way.

It's not the ideal living condition, but it's a proven method of investing when real estate is unaffordable.