Long term lending stratagies as I grow

[Michael H.]

Hey BP family,

As I approach the end of the W-2 Income that we can leverage, I'd like the know the various ways we can continue to grow as we find deals.

Ive spoken to some commercial lenders, or people who do asset based lending. their interest rates are higher, Amortization is shorter, and sometimes have higher Down payments.

I was curious if there was some sort of formula I could use to ensure that I keep my head above water on my DTI or DSCR. I want to get to the 10 properties allowed by Fannie/Freddie before exploring other avenues.

we are taking down 1 to 2 properties a year right now and may soon be tapped out.

I'm not an expert on DTI or DSCR, so any details or tips on this, feel free to dive deeper.

Wife and I have cars paid off, no credit card debt, and we earn 6 figures. we also house hack our primary residences. we have no kids yet and we are very dedicated this game.

Thanks,

MB