Bought a rental duplex, but have to wait 2 years to buy another…

[Seth B.]

Hi, on 9/20/2013 I bought my first rental duplex through a bank loan with 25% down. Now I have to wait 2 years for the banks to accept my rental income towards my debt to income ratio. I have no debt besides the mortgage, but I need to be able to have the rental income from the duplex go toward my debt to income numbers to qualify for another quality rental property. I have the money for another down payment of 25% and reserves. Should I wait the 2 years or find some owner finance rentals in the mean time?

[Bryan L.]

@Seth B. You need to be shopping around with some different banks.