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Updated almost 11 years ago on . Most recent reply

Ryan Acain's profile image
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Ryan Acain
  • Multi-family Investor
  • from San Diego, California
  • Member since Feb 6, 2014
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Ryan Acain's profile image
Ryan Acain's profile image
Ryan Acain
  • Multi-family Investor
  • from San Diego, California
  • Member since Feb 6, 2014
Connect
Ryan Acain
  • Multi-family Investor
  • San Diego, CA
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Private Lending & Conventional Mortgage Advice

Conventional Loan Approval for Investment Property

Ryan Acain
  • Multi-family Investor
  • San Diego, CA
Posted

I have a question about getting approved on a conventional loan for an investment property. I plan on 20% down to fulfill the 80% LTV. I have a very low DTI ratio of sub 15%. However, my hold up is I have low reserves currently. I've read that some lenders require 6-12 months of reserves. Do you think my low DTI ratio is a strong enough compensation factor for not having a large amount of reserves?

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