Investor needs help here!

[Zac P.]

Please help me and offer your advice!

Over the last 2 years I have bought 4 rental properties and they have done great cash flowing. Between my property management salary, rental income and other business income (from other ventures) I have ok income. However, I recently have ran into a wall here...

Because of all the debt (mortgage debt) that I have brought on, my debt to income is not good. My income is good now, but my 2012 and 2013 returns are not great. I have a lot of write offs on my taxes too which is nice, but I'm starting to wonder if I should start showing more income (everything is legal on my taxes of course)? So basically I can NOT get any banks to finance me anything because of the debt and for some, I have too many mortgages!

What's a motivated, fairly young investor to do? I want to keep growing my rental business, but I can't access bank money. I'm sure private money is the way to go, but what do you all think?

Thanks!!! -Zac