If you use fixed rate debt and interest rates go up, it doesn't matter.

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@Joshua Zdunich it’s fairly simple, You’ll want to find a DSCR(debt service income ratio) loan.

My attempt at an FHA mortgaged failed, because I have 6 rental buildings and due to the pandemic, they decided my Debt to Income is way too high. 

How do you send the debt he owed to collections?

How do I start house hacking with only this amount of savings and no debt?

Interest rates are driven by: your middle FICO, if you can qualify with IRS taxes or if you need to qualify with Debt Service Ratio or bank statements or nothing, type of property, down payment, loan amount, type of lender

@Curt Treece that only leads to over-leveraging and the income not properly supporting the debt load

Credit report shows reasonable debt load for verifiable income.3) making our application free and requiring tenants to complete the application before we will schedule a showing.This process seems to cause unqualified tenants to self screen themselves out and has virtually eliminated no-shows and unqualified applicants but I don't think our screening process would fly if our units weren't extra, extra nice.

I have over 2M in stock market and zero debt (no mortgage, income is variable but around 80-200k per year).