BRRRR Lending Caps

[Anthony Perry]

Hey All!

New to BiggerPockets and my first post, so take it easy on me :) 

My wife and I are looking to start investing out of state. We'd love to invest in our own market(outside of our primary residence), but we live in California, so that's just not going to happen. We're interested in the BRRRR method, but I'm hoping to understand from all of you: what do you do when you max out on lending based on debt-to-income. Assuming these properties are single family homes and/or small multi-family, so we're not talking about commercial lending. Do banks, perhaps smaller local banks, offer more flexibility with debt-to-income requirements if they understand it's an investment property? Or is there something else I'm missing?

Thanks in advance for the answers! Would love to start building up connections as well; my wife and I are motivated to get going but are trying to nail down the markets we want to target and how to best go about building our teams. We both work full-time and have a newborn baby, so being on-location is going to be difficult for us. Building trustworthy teams is going to be imperative.

Thanks!

Anthony