Will personal DTI impact underwriting of commercial loan for 6-units multifamily

[Zhenyang Jin]

Hi all,

I under contracted one 6 units multifamily in Bay Area and doing commercial loan with Chase. 

The financial of property is good:

DSCR = 1.3; LTV = 45%;

Both my liquidity and net worth passes Chase's test. FICO: 800. Meanwhile, I have 10 units management experience. 

However, due to keep purchasing real estate, my DTI is high and close to 50%. Chase told me that they will focus mainly on the property's financial and borrower's net worth and liquidity. Regarding borrow's DTI, Chase thinks that this item is not that important.

I wonder will my high DTI impact the loan underwriting?

Regards, Clark