I bought 2-300 sq. ft. comm and 1-700 1 bed condo 2 years ago and 1-680 sq. ft. 2 bed condo in May, have about 380k in debt (25 year fixed loan) and about 250k in equity in the units. 

I like this option because our monthly debt is far less but I doubt we could get another loan in future.  

My experience, also in a fairly expensive market, is that by the time that the down payment is raised far enough to meet the debt service requirements, you might as well be in a conventional loan.

Secondly, you get the debt pay down of having a tenant.

Hello everyone, I am looking for your thoughts on my current and future potential mortgage/debt situation. 

Combine this with a large umbrella policy (inexpensive) to cover liability.

I had read that even unused credit can be used to count as debt when determining debt to income ratio.Thanks for any help you can provide

Maybe think of debt service as an acquisition cost vs an operating cost. 

For the last six months, I’ve been dabbling in trying to find a long-term debt partner.

Monthly cashflow improved by $150 from the debt restructure.