Procure investment loans (Individual) with high DTI ratio

[Anurag D.]

Hello Everyone,

I am exploring strategies on investment properties on how to procure more mortgage loan, but with higher DTI.

1. How to attain mortgage loans with higher DTI, and normal interest rates.

2. Are there any prominent lenders that could give loan for higher DTI.

3. Are there any specific states where DTV does not matter a lot.

( I am aware that DTI limits are defined by Freddie/Fannie)

Investor is individual, no LLCs are involved:

Thank you for your assistance.

-A

[Timothy Hero]

What's your version of "normal interest rates"? There's commercial lenders that don't look at your dti, but rates will often be in the 5-6% range. The mortgage won't show on your credit, so that's a plus.

It's important to be realistic in your search. Asking to get the benefits and rates of low risk borrowers while you are considered high risk to banks due to dti isn't realistic.