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Updated about 8 years ago on . Most recent reply

Dennis Dougherty's profile image
Dennis Dougherty's profile image
Dennis Dougherty
  • Rental Property Investor
  • from Avondale, AZ
  • Member since Dec 15, 2016
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27
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4
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Dennis Dougherty's profile image
Dennis Dougherty's profile image
Dennis Dougherty
  • Rental Property Investor
  • from Avondale, AZ
  • Member since Dec 15, 2016
Connect
Dennis Dougherty
  • Rental Property Investor
  • Avondale, AZ
4
Votes |
27
Posts
Mortgage Brokers & Lenders

Bank Loan preferrences

Dennis Dougherty
  • Rental Property Investor
  • Avondale, AZ
Posted

Good Evening All,

I am considering buying a rental property. At this point, I know that a bank looks for a low Debt to income ratio and cash reserves on hand for about 1 year.

Which of the following scenarios would the banks like the most

1) Coming in with a 30-32% DTI and adding an investment property loan for and additional 10% making it a 42% DTI

or

2) Having a recent loan ( within 2 months) and Keeping the DTI at 32% ?

  • Dennis Dougherty
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