If you want to be conservative, stay around 50%-60% LTV, especially if your cost of debt is lower than your cap rate, as this will lever your ROE.

There are DSCR lenders that allow for Negative debt service, and in some instances no ratio.

I personally dont know where title insurance comes into play with these either if your not recording a debt instrument and then getting a lenders Alta

Hello Everyone,I was talking to an investor in regards to financing and his suggestion was to get a 500k loan to put towards all current debt, but wasn't sure all the factors that may be implicated with going this route.My current portfolio has 2 properties (1 LTR, 1 MTR = 370k), and current debts: HELOC at 54k and a vehicle at 40k. 

On the other hand, a home equity loan gives you a lump sum with fixed payments, which is more predictable and great for one-time expenses like consolidating debt or buying a rental.

How do you feel about debt?

Paying off the $4k in defaulted debts on her credit report, which she probably could have settled for 50-80% of that total. 

We found evidence of mental health and familial issues, all sorts of debt, IRS issues, and even YouTube videos showing a life in disarray. 

Comparing Equity with debt is kind of apples vs. oranges. 

Supposedly the second lien holder is a credit card debt collector, they were listed as the defendant in the foreclosure case.