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All Forum Posts by: Mark Chin

Mark Chin has started 1 posts and replied 2 times.

Private Lending & Conventional Mortgage Advice

Post: Refinance part of BRRRR

Mark ChinPosted
  • Posts 2
  • Votes 0
Quote from @Jamie Jones:

Schedule E on your personal tax returns is how mortgage underwriters will analyze your income. They will look at your gross rental income listed on the returns, and then add back the following expenses: depreciation, mortgage interest, insurance (if escrowed), taxes (if escrowed). If you have no owned the property long enough for it to show on your tax returns, or if the property underwent a significant renovation and was vacant, then you can provide a lease agreement, where 75% of the rent will be used as income. 


 Thank you this will help me assess in my own. I am understanding the other financing options as well. Thanks for everyone contribution.

0 Votes
Lincoln, Nebraska
Private Lending & Conventional Mortgage Advice

Post: Refinance part of BRRRR

Mark ChinPosted
  • Posts 2
  • Votes 0

Hi officially my first post :-). Anyone know how lenders determine the income allowed from an income producing property to determine d/i ratio ? What line on the tax returns is used, and the formula ? Also looking to buy first property all cash including renovation, but concerned about the refinance part of BRRRR since I have 3 other properties in my name. My debt to income is pretty high (48%) excluding rental income.

0 Votes
Lincoln, Nebraska