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Updated about 7 years ago,

User Stats

38
Posts
5
Votes
Alex Tobias
  • Castro Valley, CA
5
Votes |
38
Posts

Does personal residence debt affect commercial DSCR?

Alex Tobias
  • Castro Valley, CA
Posted

I'm considering buying a primary residence with an FHA loan which means I'd have ~96% LTV. Would that high LTV negatively affect a commercial property loan--meaning would I be required to have have a higher down payment for the commercial building to compensate for the highly leveraged SFH? I know there has to be a certain LTV ratio among a portfolio but I'm not sure if primary residence is relevant. Thanks for any help.

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