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Updated almost 5 years ago on . Most recent reply

Robert Campbell's profile image
Robert Campbell's profile image
Robert Campbell
  • Rental Property Investor
  • from Greenville, SC
  • Member since Aug 5, 2019
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User Stats

30
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13
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Robert Campbell's profile image
Robert Campbell's profile image
Robert Campbell
  • Rental Property Investor
  • from Greenville, SC
  • Member since Aug 5, 2019
Connect
Robert Campbell
  • Rental Property Investor
  • Greenville, SC
13
Votes |
30
Posts
Innovative Strategies

Long term plan while new properties decrease my net DTI..

Robert Campbell
  • Rental Property Investor
  • Greenville, SC
Posted

Looking into the future and putting together a plan I'm seeing an issue with my DTI ratio. Currently I have about $170,000 in real estate debt, and $70,000 income. So effectively about 40%. If I purchase an $80,000 home, and finance $60,000, then it rents for $1,000. The income doesn't offset the debt and my DTI drops. Eventually it drops below where lenders want to venture into me.

How have you combatted this?

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