Homes in IRA count against me??

[Kevin Auyong]

A lender they told me that on a cash out refinance on a rental house I own in my name, that the homes owned by my Self Directed IRA, the expenses like property taxes would count against me personally in calculating my DTI. However they would not count any of the income the homes in the IRA collected.

Of course this really slams my personal DTI down.

Is this the normal practice? Logic says the IRAs are seperate from me personally. Logic says if they did that they should factor in the income they earn against expenses.