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Updated 10 months ago on . Most recent reply

Bryan Ojeda's profile image
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Bryan Ojeda
  • Member since Nov 26, 2021
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Bryan Ojeda
  • Member since Nov 26, 2021
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Bryan Ojeda
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Buying & Selling Real Estate

LLC - debt to income problem

Bryan Ojeda
Posted

Hello,

I had two properties under my name that I transferred to an LLC where I own 20% interest.

This is screwing my DTI when trying to purchase a new home as my homestead because all the debt is in my personal report but only 20% revenue.

Is there something I can do to change this? 

Houston, Texas
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John O'Leary's profile image
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John O'Leary
  • Lender
  • from Winter Park, FL
  • Member since Jul 15, 2021
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John O'Leary's profile image
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John O'Leary
  • Lender
  • from Winter Park, FL
  • Member since Jul 15, 2021
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John O'Leary
  • Lender
  • Winter Park, FL
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John O'Leary
  • Lender
  • Winter Park, FL
Replied

Maybe refinance to a DSCR loan in the LLC. DSCR loans are typically not reported to credit agencies.

  • John O'Leary
  • [email protected]
  • 800-663-4122
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