It's difficult to tell...

Therefore we are finding it more difficult to find financing as we have to hold all the dedt on our income/dedt ratio.Last note: I worked for 15 months in commerial real estate/multi family background.

Here you can build an empire from nothing, compared to other countries that have an overall higher tax rate and living expenses is higher is more difficult.

It is very difficult to compete against me.Just consider the options to determine what works best for you.Your comments are welcomed and encouraged.

You can really do this two ways:option 1Show the loaned money in your bank balance (when you send through a bank statement I imagine this will already be there).Show the the loan as a liability to yourself.Show your 401(k) balance without the loan.option 2Subtract the loaned money from your bank balanceDon't show the loan as a liabilityInclude the loan balance in your 401(k) balanceEither way, your total assets (the bit the bank actually cares about) will add up to the same thing.

It isn't difficult to dig out the sketchy operators.

If you want to be a landlord I suggest you use more of that cash flow and buy down your easy purchases, you need to balance the future amount to finance at a higher rate (like 8 to 10%) so your payment obligation won't shoot up on you.

Why do you say multifamily would be more difficult to be approved for?

I posted this in another thread seeking mentors:It is just difficult to find experienced real estate investors willing to offer their time to help someone they do not even know.

Perhaps another option would be to go for a conventional loan for the loan contract balance.