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Updated almost 7 years ago on . Most recent reply

Nick Causa's profile image
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Nick Causa
  • from Greenwich, CT
  • Member since Mar 8, 2017
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Nick Causa's profile image
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Nick Causa
  • from Greenwich, CT
  • Member since Mar 8, 2017
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Nick Causa
  • Greenwich, CT
8
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Starting Out

DTI and the Two Year Rule

Nick Causa
  • Greenwich, CT
Posted
Anyone have any success getting around the two year rule? My wife and i rent out our house and downsized to an apartment to save for a house. We’re now ready to buy a multifamily but because our rented house will continue to count as debt for two years our DTI is way too high (49% after taking into account the mortgage on a new home). Anyone have any success or know any banks that are a little more lenient with this?
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Josh Dillingham's profile image
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Josh Dillingham
  • Rental Property Investor
  • from Brattleboro, VT
  • Member since Aug 25, 2015
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Josh Dillingham's profile image
Josh Dillingham's profile image
Josh Dillingham
  • Rental Property Investor
  • from Brattleboro, VT
  • Member since Aug 25, 2015
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Josh Dillingham
  • Rental Property Investor
  • Brattleboro, VT
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Josh Dillingham
  • Rental Property Investor
  • Brattleboro, VT
Replied

talk to @Upen Patel I don't think The Federal Loan Savings Bank requires two years to count rental income.

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