Poor Man’s covered call

I just want to be clear that I am NOT buying any options, I am simply trying to learn. I’ve been reading about the different types of options, and I’ve seen the “PMCC” come up. What I don’t understand is, if you buy a call for a year from now at say a $185 strike. You can then sell monthly calls until that date. However, you’d need to sell those calls at a 185 strike in order to avoid needing cash as collateral. Am I misunderstanding this? Every write up I’ve seen about PMCC mentions selling out of the money calls, but that seems impossible without needing an extreme amount of cash on hand. Again, I’m just learning so I’m probably wrong but I am not buying anything