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Updated over 7 years ago on . Most recent reply
![Willy Vasquez morales's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/498001/1621479375-avatar-willyv1.jpg?twic=v1/output=image/crop=958x958@0x0/cover=128x128&v=2)
Financing my second property
how to finance my second home?
I live in nh, i have a score above 700 with 100% on time payment and 11 years old credit. As you can see I have been very responsible.
I dont have the 20-25 % for down payment. And my debt to income ratio is above 45. I make $66,000 as a software engineer, I graduated 4 years ago. I own a two faminly which I got 3 months ago. It pays itself.
I want to get another house but the bank says I don't qualify because of the debt to income ratio.
How can I find a lender?
Please I ask me if you have any questions.
Will
Most Popular Reply
![Jason Lavender's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/840583/1621504279-avatar-jasonl188.jpg?twic=v1/output=image/crop=1070x1070@53x55/cover=128x128&v=2)
Look for potential owner finance deals.There are plenty of creative financing options to close on a good deal, less options to close on a so-so deal, look for deals and financing simultaneously. Hope that helps.