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All Forum Posts by: Bryan Ojeda

Bryan Ojeda has started 1 posts and replied 3 times.

Buying & Selling Real Estate

Post: LLC - debt to income problem

Bryan OjedaPosted
  • Posts 3
  • Votes 1
Quote from @Nick Velez:

@Bryan Ojeda

If the business has been paying the debt for 12+ months, you can usually remove the liability from your calculations.

Keep in mind that while DSCR loans don't always report to credit, THEY CAN. It is up to the servicer whether or not they will report the payments.


 It has been 9 months. How would I remove at 12 months?

0 Votes
Houston, Texas
Buying & Selling Real Estate

Post: LLC - debt to income problem

Bryan OjedaPosted
  • Posts 3
  • Votes 1
Quote from @Jimmy Marks:
Quote from @Bryan Ojeda:

Hello,

I had two properties under my name that I transferred to an LLC where I own 20% interest.

This is screwing my DTI when trying to purchase a new home as my homestead because all the debt is in my personal report but only 20% revenue.

Is there something I can do to change this? 


You will want to move the debt from your name to the LLC, tied to the houses. I would recommend a DSCR loan to do this. If you need recommendations on lenders, just let me know!


 Yes if you don't mind.

0 Votes
Houston, Texas
Buying & Selling Real Estate

Post: LLC - debt to income problem

Bryan OjedaPosted
  • Posts 3
  • Votes 1

Hello,

I had two properties under my name that I transferred to an LLC where I own 20% interest.

This is screwing my DTI when trying to purchase a new home as my homestead because all the debt is in my personal report but only 20% revenue.

Is there something I can do to change this? 

1 Vote
Houston, Texas