Personal DTI vs Business DTI (Helocs and Refinances)

[Craig Clark]

Hi BP, 

I am hoping this is a quick and easy question for the community.  Profile:

Investor owned LLC 

-LLC owns 5-6 properties

-Investor normally takes every legal write possible so LLC DTI is high

-LLC normally has an annual paper loss w

Investor Personally

- Investor owns 2-3 properties not in the LLC

-Equity in property 1 is over 70% and equity in others are around 50%

-Investors personal DTI is around 15-18%

Based on what you see above, the investor would like to tap into the equity in one of the above personal properties. Would the DTI of the business or the fact the Investors LLC operates at a loss on paper hurt the investors chances of tapping into the equity on the personally owned properties? It would obviously be on the investor's tax returns but would the investor even need to disclose the business's holdings to the bank when applying for a loan to tap into the equity on the personal property? We are looking for options to help continue portfolio growth.

Thanks