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Updated over 2 years ago on . Most recent reply

Dyami Pike's profile image
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Dyami Pike
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Dyami Pike's profile image
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Dyami Pike
  • Member since Nov 18, 2022
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Dyami Pike
21
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65
Posts
Starting Out

Does my business impact my DTI ratio

Dyami Pike
Posted

I'm looking to buy my first investment property and I had a question. 

I own 40% of an LLC. Do the debts incurred by the business impact my DTI or are they viewed as a separate debt?

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Matthew Wolk's profile image
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Matthew Wolk
  • Lender
  • from Tampa, FL
  • Member since Dec 13, 2022
  • Posts 79
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  • Experience 5 Yrs
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Matthew Wolk's profile image
Matthew Wolk's profile image
Matthew Wolk
  • Lender
  • from Tampa, FL
  • Member since Dec 13, 2022
  • Posts 79
  • Votes 28
  • Experience 5 Yrs
  • Investments 1
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Matthew Wolk
  • Lender
  • Tampa, FL
28
Votes |
79
Posts
Matthew Wolk
  • Lender
  • Tampa, FL
Replied
Quote from @Dyami Pike:

I'm looking to buy my first investment property and I had a question. 

I own 40% of an LLC. Do the debts incurred by the business impact my DTI or are they viewed as a separate debt?


They are separate if they are through the LLC. You could also look into a DSCR loan as well if you are worried about DTI.

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