How does mortgage debt effect commercial debt

[Paul W.]

Hi,

My question is how does a personal mortgage debt effect getting commercial loans;

Scenario, I’m thinking about selling my personal house and one rental to stockpile a significant amount of cash for future purchase if multi family, hopefully 20-30 units.

After the sale of the primary house, I could rent, not cheap where I live(Scottsdale) and not great for a conducive family life, just because ent is high and the property wouldn’t be that great.

2nd option is to buy another house, VA loan, and maintain my cash and have a lower monthly payment and have a nice house to live in.

When it comes time to buy the commercial property, will I regret buying the house now because it will drastically effect my debt ratio? Will the bank or lender base the commercial loan strictly on the cash I have in the bank.

Thanks