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Looking for rental-cash-flow oriented lender for primary purchase
Hi there,
I'm looking to work with a lender to finance an off-market property in Maryland I want to buy as my primary residence*, max 10% down.
What's the catch?
I bought a Triplex last year as my primary and live in one unit. The other two are rented and have a previous rental history. My DTI is off, if this rental income is not considered.
Second catch, I had Cap-Ex on the Triplex and another property which I bought in ruin and stabilized, last tax year. Expenses neared my W-2 income, so that I am showing massive losses for 2023. (Yes, I live on rice 'n' beans)
If you have an underwriting process that can focus on my current cash-flows (and perhaps track record of successfully stabilizing properties), I invite you to comment or DM.
THANKS BP COMMUNITY!
Matthias
Greater Salisbury Maryland Area
*Primary in purpose but certainly made into another income stream, seasonal STR or as a house hack.