DSCRThere are multiple considerations to optimize the refinancing portion of the BRRRR method.

Your current tracking methods, combined with your credit report and tax returns, should generally meet lender requirements

Quote from @Alex Gatchalian: Your equity is not a savings account from which you can withdraw for free.

I know to VA lets you assume the loan true a subject to method and thats my plan.any advice on how does that work?

Anyone use alternative methods to automate the process? 

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.

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.