Mortgage Brokers & Lenders
Market News & Data
General Info
Real Estate Strategies
Short-Term & Vacation Rental Discussions
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
Tax, SDIRAs & Cost Segregation
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
1031 Exchanges
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated about 4 years ago on . Most recent reply
![Chris Gomes's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1421833/1621512140-avatar-chrisg472.jpg?twic=v1/output=image/crop=467x467@360x70/cover=128x128&v=2)
Can you buy in an LLC without affecting personal DTI?
My two partners and I are looking at purchasing a $1M beach vacation rental that should gross about $150k annually under professional management. We are attempting to purchase this property with a 20% down payment. The down payment will be provided by a private lender. Is there a way to purchase this property under an LLC or Corp such that the 80% LTV mortgage does not affect each partner's individual DTI therefore limiting our purchasing power for the duration of the loan?
Most Popular Reply
![Taylor L.'s profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/569676/1715197864-avatar-taylorlrei.jpg?twic=v1/output=image/crop=178x178@5x0/cover=128x128&v=2)
Who is signing on the loan? Presumably the bank is going to want someone (or all of you) to provide a guarantee on the loan.