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Updated almost 4 years ago on . Most recent reply
How to get financing if DTI to low but liquid assets very heigh?!
If:
-Current joint primary Mortage with spouse 300 k
-Won’t qualify for conventional or investment loan because dti is too low (they ding you for entire primary mortgage plus taxes)
- liquid assets 600+
-current home equity 800k+
Looking to buy second home for short term rentals / investment around 300-450k
Besides HELOC what are best loan options and why?
Most Popular Reply
![Jack BeVier's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/74394/1621414927-avatar-dominion.jpg?twic=v1/output=image/crop=252x252@0x9/cover=128x128&v=2)
Seasoning is a serious frustration. We designed our program with @Chris K. your issues in mind. 3 mos seasoning, 75% LTV cash out, LLC ownership, 30yr fixed rate and 30yr term, rates in the 4s (down to 3.75% with a buydown, actually). The loan amount is sized based on the value of the property and the rent. Your personal DTI is not a factor (don't even ask for tax returns). 680 min FICO, though. We own 762 rental properties and this has been a game changer for us. It only became available at these rates in the past few months.