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Updated 12 months ago on . Most recent reply

Nolan Mahoney's profile image
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Nolan Mahoney
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Nolan Mahoney
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52
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Private Lending & Conventional Mortgage Advice

DTI is too high after buying a house?

Nolan Mahoney
Posted

Hello, 

this lender at gaurenteed rate says my DTI will be too high AFTER i buy this SFH (with FHA) that i will turn into a rental later. Ive always known your DTI has to be below 50 when going to apply for a morgage but never new they consider your DTI after you buy the property. Is this very common across all lenders? any info would help thanks.

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River Sava
#2 BRRRR - Buy, Rehab, Rent, Refinance, Repeat Contributor
  • Lender
  • USA
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River Sava
#2 BRRRR - Buy, Rehab, Rent, Refinance, Repeat Contributor
  • Lender
  • USA
Replied

Hi Nolan - 

Have you explored DSCR loans? No DTIs... might be a good option if you are concerned about this variable

  • River Sava
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