Bank does not report mortgage, could I get another?

[Jeff George]

Hi there everyone. I recently completed my first investment deal with in-house financing through my bank. Recently I found out they do not report to the credit bureaus, so my question is in theory could I get another mortgage from another lender for a deal since it doesn’t show up on my credit report? 

[George Despotopoulos]

@Jeff George if your DTI is a concern then going the non-bank route may be an option. Non-bank lenders underwrite to the property's cash-flow (and most don't have an income requirement at all, it just plays a role in the rate you receive) and they do not look @ your tax returns, personal income/DTI. The rates vary and depend on a few factors like credit score, LTV, property type, market, etc but it's not unheard of to be in the 5.25% - 6.5% range for a 30 yr fixed rate.